Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital One did not furnish me with a Form 1099-C after two alleged debts of {$500.00} and {$300.00} was charged-off from credit accounts in my name. It is also to my understanding that once a creditor charges-off an account, that they receive a tax deduction for the charge-off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge-offs, of which I mistakenly paid off, and it misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies. Not only does Capital One have it listed on my reports as charged-off, but the received tax deductions on accounts that were paid, this is considered tax fraud according to the IRS.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: So, I opened a credit line with Capital One for the sole purpose of transferring balances from other credit cards without interest for a set term. I submitted 3 transfers, and all were added to my Capital One balance. However, regarding 1 of these transfers ( {$2600.00} ), the payment was never received by the payee ( XXXX ). After disputing this charge with Capital One, and constant calls with Capital One and XXXX : XXXX still claims that they have never received the payment, and Capital One claims that XXXX has declared reception of this payment. Capital One refuses to show me proof of XXXX claim, leading me to believe that XXXX has not received the payment. The balance transfer in question is worth {$2600.00}. Around XXXX XXXX, when I initially called to inquire on the transfer, a representative from Capital One claimed that the payment was sent by mail. Then, in around XX/XX/, a different representative from Capital One claimed that I entered the XXXX card number incorrectly, but, that I can cancel the transfer ; I requested that Capital One cancel said payment. Every time I called Capital One, I also called XXXX to confirm that no payment was received. I also have, on recording, representatives from both Capital One and XXXX on conference call with me. On this call, the XXXX representative tells the Capital One representative that the payment was not received. Yet Capital One still refuses to remove the charge.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The accounts that Ive listed are not mine and are fraudulent. The companies are Capital One, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 there was a hard inquiry showing on my credit report stating that Capital One performed a hard inquiry. Therefore, I contacted Captial One and the credit bureau as well as XXXX to let them know that I had not applied for a Capital One card and was unaware that this had been done until I was reviewing my credit report on the XXXX website. On XX/XX/2023 there was also a hard inquiry showing on my XXXX credit report showing that a XXXX card was also applied for and a hard inquiry was performed on my credit. Therefore, I contacted XXXX, the credit bureau, and XXXX to let them know that I had not applied for a Chase card and was unaware that this had been done until I was reviewing my credit report on the XXXX website. The customer service representative for XXXX explained that I needed to do a inquiry dispute on their website, which I did perform. After disputing the hard inquiries, they were dropped off my credit report. As for Capital One and XXXX, both companies looked into the issue to see if there was an application on file ; however, both companies told me that they did not see any applications in my name. On XX/XX/2023, I saw that another hard inquiry had been placed on my credit report from XXXX XXXX. Therefore, I contacted XXXX XXXX and XXXX to let them know that I had not applied for anything at XXXX XXXX and this was fraudulant activity. XXXX told me to fill out another inquiry dispute. Later, the inquiry was dropped off my report. Fortunately, I was able to catch the matter before any money could be charged on the cards.
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: MI
Zip: 499XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment, they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report soon as possible
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a credit card account with Captial One, I am not able to set up online access to pay this account for some reason, therefore I am forced to pay by check. I made a check payment to them and mailed it with my payment slip portion. When the check was received, the converted the check to an ACH withdrawal from my account and received their funds, however the credit was never applied to my credit card account. I opened a dispute with them, they did give me a temporary credit, requested my copies which I sent to them on XXXX separate occasions after they told me multiple times, I did not submit the requested documents. I ended up having to send them certified mail. They then closed my account and when I called, they stated that they could not find where the money went and reversed all the temporary credits, added all the late fees and interest back to my account and now want me to pay all of the fees. They basically have stolen the XXXX payment and are wanting me to pay again for them losing my money. I can prove they received the money as the ACH cleared my account and clearly shows it was converted by Capital One. I want my money credited back and my account credited back for all the late fees and interest. Original case number with Capital One is XXXX Thank you
Company Response:
State: FL
Zip: 33566
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I applied for credit with XXXX XXXX. The letter of denial stated that one of the reasons for denial was too many credit inquiries. XXXX XXXX pulled my credit from XXXX. After checking my XXXX credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : 1. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX The only authorized XXXX inquiry was on XX/XX/XXXX. The next unauthorized inquiry was by Capital One NA on XXXXXX/XX/XXXX. Here, I was signed into my existing Capital One credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. The next inquiry is one I simply don't even recognize and surely didn't authorize. It's labeled XXXX XXXX XXXX on my credit report. I don't even know what that is, hence it wasn't authorized. Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. I pulled my XXXX file online and XXXX said I needed to call them to dispute inquiries. When I called XXXX on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called XXXX, they told me to call XXXX because they are the credit reporting company and they need to remove it. When I called Capital One NA, they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.
Company Response:
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a credit card with Capital One that ends in XXXX. I have auto payment enrolled and my autopay date is the XXXX of every month. On XX/XX/2023 I scheduled a manual payment of {$870.00}. I mistakenly filled out the manual payment form by selecting the wrong bank account to draft the payment from, which was a Capital One checking account ending in XXXX. The account I meant to use was a XXXX Checking account ending in XXXX. I have not used the Capital One checking account in over a year and it has maintained a XXXX balance during this time. Yet despite the XXXX balance Capital One did not close this checking account and it remained available as an option in the drop down for me to select as a payment source for making a manual payment for my credit card. After I submitted the manual payment request on XX/XX/XXXX, I also cancelled my automatic payment that was set to auto draft on XX/XX/2023 ( a {$600.00} payment ) because I assumed I would no longer need this payment since I scheduled a manual payment instead. On XX/XX/2023 logged into Capital One and saw that my payment had posted, so then I logged into my XXXX account to confirm if the payment had been drafted and thats when I first realized that the payment was set up incorrectly and had not been drafted from my XXXX checking account. I then called Capital One that same day ( XX/XX/2023 ) and explained to a customer service representative that I had scheduled my payment using the wrong account and that it was showing as posted on my Capital One credit card account. I also told them I had cancelled my auto payment that was previously scheduled for XX/XX/XXXX because I didnt think I would need it since I had made a manual payment. Since I knew that the manual payment would get returned as NSF because the Capital One checking account had no funds, I then asked the customer service rep if I could make a new payment of the total balance on XX/XX/2023 in order to avoid a late fee and avoid an interest charge. The person explained there was no way to make a payment on a credit card that was showing a XXXX dollar balance and that I would have to wait until the payment was returned. Since I was not allowed to make a new payment at that time, I did have the customer service rep close all of the remaining checking accounts that were not being used and had a XXXX balance in order to prevent them being used mistakenly in future manual payments. I then waited and the payment was finally returned after the due date and I got a {$25.00} late fee plus a {$16.00} interest charge. I called Capital One on XX/XX/XXXX, to dispute these fees as there was no way for me to make a payment on XX/XX/2023 which was before the due date ( XX/XX/2023 ). The customer service rep I spoke to assisted me in getting the {$25.00} fee refunded but explained that their system would not let them issue me a refund of the interest. I asked to speak to a supervisor hoping that person would be able to assist in overriding the systems limitations but they also told me the system prevented them from issuing a refund for the {$16.00} in interest. At that point I was furious. Capital One has no right and are breaking the law to tell me on XX/XX/2023 that there is NO way to make a payment before the due date and then, after it becomes late, charge me a late fee and interest. I never carry balances and get charged interest and I never pay late. I pay my credit cards off every month. The limitations of their technology system prevented me from making a payment and I was a proactive consumer who was trying to do so.
Company Response:
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have tried to resolve my issues with Kohl concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A