Date Received: 2023-03-06
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: Saw on XX/XX/23 a hard inquiry on my credit report that I did not authorize.
Company Response:
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is an account on my credit profile from CAPITAL ONE BANK with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my XXXX XXXX XXXX per 15 U.S code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and CAPITAL ONE BANK would make me legally bonded to any debt that they may claim. I have never provided any wet signature or XXXX XXXX XXXX to this company on any agreement. Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I have not received any debt validation notice from CAPITAL ONE BANK as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that CAPITAL ONE BANK has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a performance saving account in XXXX XXXX followed the instruction deposited {$10000.00} and over for 90 days, didn't receive the {$100.00} bonus. I called the rep, was told I used to have a money market account with Capital one that was closed long ago. I am not qualified for the bonus because of that. When I opened the saving account I read all the fine prints carefully and didn't see anything regarding the previous Money Market account. And the website took the promotional code showing the promotion was taken.
Company Response:
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied a Capital One card and was approved instantly on XX/XX/XXXX. Then the nightmare started. I provide annual income based on W-2 of last year. A couple of days later I was notified a schedule payment using the newly approved card was decline! Using the app, I found the account was restricted after annual fee was posted. I contacted the customer service the next business day and was told to submit 3 recent bank statements to verify the income. I proposed to provide the 2022 W-2 and recent paystub, in addition to required bank statements. But the proposal was rejected! After a whole week without any update ( no email, no phone call, no notification in app ), I called them again and was suprisedly told the account was actually closed several days ago and there was no way to reopen it. They explained that from those bank statements ( direct deposit after tax, retirement allocation and other deductions ) they couldn't reconcile the income I provided during the application. How ridiculous it was the way they arbitrated an applicant 's ability to repay the debt and so light-heartedly wasted consumer 's hard inquiries in their credit report. This kind of misbehavior is totally unacceptable. I have 800+ credit score for more than 20 years, it is the first time I was treated so unfairly by a credit company like Capital One. Folks, you need to stay away from it. Don't waste your time and precious credit inquiry.
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XXXX I checked my credit score and it had gone down XXXX points. I figured out that it was a charge for {$2.00} on my Khols card that I only got for discounts and never used. It seems I used it to get a discount and somehow they accidently put {$2.00} on in instead of charging my Debit card the full amount for the purchase. I called and it turns out they had my incorrect address which I had them fix. I paid off and closed the card and was assured the credit agencies would be contacted to repair my credit. Next month I check my credit expecting it to be fixed but instead it was down another XXXX points. I called again and not only did they get my address wrong again but they also got my debit card number incorrect so my card was still not paid off! I got it paid off again and got them the correct address again. Then I got a letter saying that if I wanted my credit fixed I had to send them all of my info and an explanation of what happened and my credit score by mail or FAX. I can't even find anyone who does faxing. I am doing my best to make that happen today but what if nothing comes of it? Its XXXX and they still have not fixed things. What do I do if they keep screwing up and not doing what they said they would? My credit score was in the low XXXX and now it is in the mid XXXX. I've worked my XXXX off as a low income person to keep my credit score high because it has been so helpful. I tried to file a complaint with the XXXX but even that is proving tricky.
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A Capital One account was opened using my information, I was unaware of this account until I began trying to repair my credit. That is when I saw this account I never even recall opening. I have notified the credit bureaus of this fraud. I have already filed a police report regarding this account, as well as others included in this identity theft.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX Capital One Claims Processing Center XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Capital One N.A. XXXX Capital One XXXX Attn : XXXX XXXX, VA XXXX XXXX to : CAPITAL ONE BANK DENIAL OF REQUEST FOR FRAUDRATUALLY TAKING FUNDS FROM : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CHECKING ACCOUNT XXXX XXXX. Issue of loss of funds due to lost phone/wallet containing banking info. a. On XX/XX/XXXX, both my XXXX and wallet were stolen. I believe this pickpocket took place on XXXX and XXXX XXXX XXXX in XXXX XXXX, Louisiana while I was walking home having XXXX at XXXX XXXX. b. I was not aware that my wallet and XXXX were missing until I woke up that morning XX/XX/XXXX. c. The fraudulent charges that appeared on my account occurred on XX/XX/XXXX from approximately XXXX XXXX, the same time I was pickpocketed. d. Theses illegal charges were made through a combination of debit card, XXXX and XXXX XXXX. There were a total 18 unauthorized individuals charges totally {$5500.00}. e. I first contacted Capital One bank about the lost of funds on Sunday morning, XX/XX/XXXX via telephone, reporting the lost as soon as I realized it. f. I filled a police report first on XX/XX/XXXX, at XXXX XXXX. g. On XX/XX/XXXX, the first date I was allowed to file a claim because of pending transaction with merchants I was given 2 separate claim numbers : XXXX - {$1500.00} and XXXX - {$3400.00}. h. On Sunday afternoon, XX/XX/XXXX, I went to XXXX store and had my lost phone disabled and purchased a new phone. i. The XXXX charges including XXXX transportation were purchased on my neighbors XXXX XXXX XXXX XXXX Credit Card XXXX j. Using my new phone I saw that personal information, stored in XXXX, including past Capital One statements, social security number, copies of checks and all personal information were still accessible to a theft. k. On XX/XX/XXXX I was given a Banking Card provisional credit in the amounts of {$3400.00} and XXXX in my checking account. l. On XX/XX/XXXX I received a letter from the claims department We finished looking into the claim and didnt find an error happened. m. I am certain an error didnt happen. These funds were stolen from me when phone and wallet was stolen. 2. Current Status : Cap One Denial and rejection of facts. a. I spoke with Capital One through your call centers. To get my money returned. b. On XX/XX/XXXX I called and spoke to Customer Protection to reopen my original case {$3400.00} and {$1500.00}. c. On XX/XX/XXXX, I once again received a letter of denial from Claims Support Center. d. On XX/XX/XXXX, I sent to the Capital One Claims Department both a fax and an email to XXXX. e. On XX/XX/XXXX, Card Investigation send me a denial. They also suggested considering continuing my disputed claim with the merchants. I have had no merchants and feel very strongly conversation should always be with Capital One Bank. 3. Circumstances of my missing funds that demonstrates fraud : a. Proof of Immediate replacement of phone b. On Sunday afternoon, XX/XX/XXXX, I went to XXXX store and had my lost phone disabled and purchased a new phone. c. The T-Mobile charges including XXXX transportation were purchased on my neighbors XXXX XXXX XXXX XXXX Credit Card XXXX d. Filing a police report. e. Contacting an attorney to attest for my personal and business character. f. My consistence and repeated attempts to show capital XXXX that this is not a case of merchant dispute but a case of stolen identity and stolen funds. 4. Language and communication difficulties with Capital One Call Centers a. During the multiple conversation with Capital One call centers, I was consistently speaking to representations who were not native English speakers. b. I was fully aware that the story and facts surrounding my stolen phone and wallet were not completely understood by the representatives. c. After my constant efforts to communication with Capital One claims and fraud departments, I was sorely disappointed the be constantly rejected and finally told to take up my case with outside merchant entities. 5. What I expect from Capital One Bank a. I believe that Capital One Bank is responsible for helping me get back my own money that was in a Capital One Small Business account. b. If Capital One rejects my claim it can not be based on investigation of unknown vendors and merchants and the illegal use of my bank information and personal information. c. I expect to have a personal phone call conversation with a Capital One authority who can help me recover my Capital One funds that have been missing for 6 months. d. I do not believe your investigation to my claim was done in the knowledge and spirit of my stolen money. I have been a satisfied banking small business banking customer for over 7 years. I have always had great expectation of your knowledge and banking skills as applied to my account. I am sorely disappointed that I have not received more accurate and personal communication regarding my claim. I will be attaching some selected appropriate documentation to this letter. I am also filling out a dispute for Fraudulent Charges to the Consumer Financial Protection Bureau XXXX to submit a complaint financial product of services. I am hopeful you will communicate with me at your earliest convenience. XXXX XXXX, XXXX XXXX XXXX
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a hard inquiry on my XXXX credit report. I did not authorize this inquiry nor have I applied for any product or service with Capital One Bank USA. I do not know how or why my personal information might have been used to release this report. I called Capital One Bank USA to investigate the inquiry and determine if there were any accounts created under my name. It appeared that there were no accounts created with my birthday, social security number and name. I do not believe a thorough check was conducted and I would like to have my personal consumer information protected. I am submitting XXXX screenshots of interactions withXXXX regarding the unauthorized credit inquiry.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A