Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a notification from XXXX on XX/XX/2022 that someone had attempted to open two credit card accounts and one jewelry financing account in my name. The two involved credit cards were a XXXX XXXX card and a Saks-Fifth-Avenue-branded Capital One card. XXXX XXXX XXXX for XXXX XXXX was the involved jewelry financing institution. I contacted all companies immediately and was able to block the credit applications as fraud. The XXXX and Capital One representatives stated that the hard inquiries would be removed from my credit reports within 60 to 90 days. Inquiries from XXXX XXXX Bank never reached my credit reports. I then contacted XXXX, reported the inquiries as fraudulent, and they subsequently removed them and placed a fraud alert on my report. I then filed a dispute on XXXX 's website to let them know that the involved hard inquiries were fraudulent. Their team claimed to have verified them with the involved companies as being accurate, which is false, as those creditors ' representatives explicitly confirmed to me by phone that they'd marked them as fraudulent. I was unable to access XXXX 's website despite providing accurate personal information, so attempted to contact them via phone where I was told that I'd need to contact them by mail. I was able to lock my XXXX credit report using XXXXXXXX XXXX app and then froze my credit reports with XXXX and XXXX. I submitted an identity theft affidavit to the FTC ( attached ) and sent a copy to XXXX, who elevated my fraud alert to an extended fraud alert. I mailed copies of the affidavit as well as the involved credit reports with the fraudulent inquiries highlighted to both XXXX and XXXX. In the interim, and to their credit, XXXX removed their inquiries from all of my reports and sent me a confirmation letter that they had converted them to soft inquiries, which don't impact my XXXX XXXX. I telephoned and offered copies of the FTC identity theft affidavit to Capital One and XXXX XXXX Bank. XXXXXXXX XXXX Bank had me submit a copy of the affadavit to their fraud department via email. Capital One declined a copy of the affadavit. I received a reply from XXXX that they required more identity information, despite my having sent them copies of my driver 's license, passport, and social security card. XXXXXXXX XXXX reply claimed that they verified with Capital One that the inquiries were legitimate, which is again, false, according to Capital One 's agents, and stated that they required a letter from Capital One confirming that the hard inquiry was fraudulent. Shortly after I received their reply letter, XXXX removed the CapitalOne/Saks Fifth Avenue inquiry from my report, so my issues with them are resolved and the only remaining trouble is with XXXX and Capital One. I contacted Capital One in XXXX and relayed XXXXXXXX XXXX request for a letter to them. The agent refused to provide a letter and informed me that it could take up to 90 days from the initial inquiry to remove the fraudulent inquiries from my XXXX report and to wait until the XXXX of XXXX, which would mark three months, after which they would provide me with a letter to relay to XXXX if they still hadn't removed the fraudulent inquiry. On the XXXX of XXXX, I pulled a copy of my credit report from all three bureaus and found that XXXX was still reporting the inquiry from Capital One ( attached ). I phoned Capital One again and informed them that the 90-day window had passed and that XXXX requires a letter from them in order to remove the fraudulent inquiry. The agent again refused to provide a letter and said that that " sounded strange of XXXX '' and relayed me to a different associate who confirmed that the inquiry had long been marked as fraud and that it would be removed within 90 days of the initial hard inquiry. I reminded him that it had already been 90 days from the XXXX of XXXX, he sounded surprised, and then asked me to " give it 30 more days. '' At this point, I believe Capital One is simply trying to stall the situation, yet XXXX absolutely refuses to remove their fraudulent hard inquiry from my report without action from them ( and despite the inquiry having been removed from reports from the other credit bureaus ).
Company Response:
State: CA
Zip: 92832
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX All made Hard Inquires on XX/XX/XXXX XXXX
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
Company Response:
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX : I received an email from Capital One saying Ive been selected to check if XXXX pre-approved for a card. Since I have a checking account with them for many years, I decided to enter my information, and the system showed that I have been pre-approved for few of their products. Among those cards, I decided to apply for Venture card. And I got approved right away. XX/XX/XXXX : I received my credit card. I used it to pay global entry fees {$100.00}, and permit application fees from XXXX XXXX, CA around {$500.00}. XX/XX/XXXX : I received a voice message from Capitol One fraud protection, and they restricted my card. XX/XX/XXXX : I contacted the customer service several times. Finally, they told me I need to upload my SSN, 3 months bank statements, and my driver license. I did what they wanted me to do right away. Because I would like to remove the restriction, and proof XXXX the account owner. And this is not a fraud. XX/XX/XXXX : After reviewing the materials that I uploaded, they decided to close my account without even calling me to explain the reason behind this. XX/XX/XXXX : I received a mail telling me that my account has been closed since XX/XX/2023. I contacted customer service many times for membership fee refund. They all stated that the account was closed, so theres nothing they can do to help me with. If the company is not willing to return my annual fee, they need to fulfill their card benefit which is reimburse global entry application fee {$100.00}. Customer service representative told me they can not do that either.
Company Response:
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have had two fraudulent purchases on my account in the last 30 days and I have had a fraudulent payment made to my account. This company is ridiculous and people should not be able to get into my account to do this. I have already changed my password several times too. Have asked repeatedly to speak to a supervisor and I have not been given any response
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/XXXX I transferred monies ( {$4000.00} ) from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Commenity Bank. Unfortunately I misread the credit card number of the Commenity Credit Card account. When I did not see the transferred funds applied to my account, I contacted Customer Service and was told it could take 90 days to be applied. On XXXX XXXX I sent a message to Commenity Bank regarding this transaction along with the transaction details provided by XXXX XXXX. At this point I was informed that it would take up to 90 days for resolution and no interest would be charged on the disputed amount. On XXXX XXXX there was not response. On Friday, XXXX XXXX I placed a call to Customer Service and was told that I would receive a response within two weeks. Again, the 2 weeks went by with no response. And i believe that monthly interest has been charged on the disputed amount. I called again and was connected to XXXX ( operator # XXXX ) who escalated my complaint. It is now elevated to Senior Account XXXXXXXX XXXX XXXX. They said I would receive a letter in the mail regarding the resolution. On Monday, XX/XX/XXXX Commenity Bank will no longer handle the credit card transactions for XXXX XXXX XXXX XXXX. The credit card accounts will be transferred to XXXX XXXX. When I asked about the balance on Commenity card, I was informed it would transfer to XXXX XXXX would then have the balance. The next email correspondence, XXXX XXXX informed me that it could be another 90 days before this is resolved. I cannnot wait for 6 months to pass before this incident is resolved.
Company Response:
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was recently informed via email that my funds were no longer available for withdrawal. When I called capital one I was told that they were terminating my relationship with them and they were not forth coming whatsoever as to why this was. I was basically told on the phone that capital one doesn't have to give me an explanation. I have banked with capital one for 2 or 3 years or so. I had direct deposit when i was employed through XXXX XXXX and i do have a lot of XXXX payments that get deposited into my 360 checking account. EVERY DOLLAR IN MY ACCOUNTS CAN BE 100 % VERIFIED. I have 6 accounts ; an auto loan account, 2 credit card accounts, a 360 savings & checking account, and a very small CD account. There is over XXXX in my checking account that I have zero access to, which is all I have to live on and to pay my bill 's. I have always been on time or before time with my loan payment ( s ) and both credit card ( s ) I have with capital one. I have fair credit and because no one contacted me via telephone to talk to me, verifying anything, even though they will over a password change, that if there was a problem with any of my accounts that they say I am now 7 day 's late on with my truck loan of which, at one was around a year ahead. As you're aware there are not suppose to be any penalties for early payments. Yet i was so far ahead, at one point, the mobil app refused to allow me to make anymore payments. I am not referring to the only being able to make 1 payment a day max for the auto loan but rather of the entire amount.That payment was made on XX/XX/2023 around noon, ( and with little effort on my end I can verify that as well ) and showed that it cleared out of my checking account and the bank redacted that payment XX/XX/2023 at XXXX XXXX, right around 36 hours or so later, after it cleared and yes I do have a screenshot of it as well, and I also spoke with capital one auto finance and they DID in fact verify that the payment went through but capital one auto informed me that capital one took that payment back. But four other payments were made out of my 360 checking account that very day and cleared and no returned payments on any of them. I would also point out that my truck payment was the first thing that day to come out of my account because that was my biggest bill to pay. So at this point my auto loan is 7 day 's past due. Im not sure if its a 7 or 10 day grace period because Ive never had to worry about it. I have never been late with my loan payment and have done right by capital one since day one. I feel with as many issues I have had to deal with in regards to capital one that I am well within my rights to DEMAND an explanation for what has become a serious hardship cause of suey. I was told that if I had a bank account outside of capital one that my funds would be able to be transferred to that account or I would have to wait 7 to 10 business days for a check to be cut and sent to the address on file. I called and asked when I could be expecting my check to be sent out and was then transferred to yet another department that would be able to provide all the details and i could not even get the lady to understand me and i speak english just fine. After being transferred I explained what I needed to know and was hung up on after a 30 minute hold, twice over. This is completely and utterly unacceptable! I can't even go to a Capital One branch to speak with someone to clear all of this up because there isn't a branch in the state of Ohio! There's a Capital One Cafe 70 miles one way from where I live. But was told that they couldn't be of any assistance because their only allowed to verify information in the system. I said I would like to be transferred to someone in charge above all these customer service representatives and the so called back end managers who don't even know what a corporation is or does because one of the capital one managers actually per batum told me she did not know what a corporation headquarters were or even if she was part of corporate. So capital one has over XXXX of my funds and also a small CD account and I want to know when to expect it
Company Response:
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Emails received by companies telling me about credit card application attempted that I never made : XXXX XXXX XXXX Card Called Capital One questioning about the credit card application that I never made. XXXX baking account being linked to XXXX and XXXX XXXX account, that I never requested.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Originally I tried to dispute with the credit bureaus and Capital One late payments on my Capital One accounts for XX/XX/XXXX due to the fact my dad died in Texas and I live in Kentucky. Also, my dads truck was missing, and it took me three months to locate it. I want to be very clear my personal information was never in that truck and my identity was NEVER compromised. I also want to point out that my daughter also died, so her and my dad 's deaths were less than a year apart from each other. The late payments in XX/XX/XXXX are preventing me from getting a HELOC, which I need to consolidate my own small debt and prevent my dad 's land in Texas from being foreclosed on. I just wanted to file a dispute to have Capital One remove the 30 day late payments from that time period. I feel my circumstances were extenuating. I was daily having to speak to multiple police depts, ambulatory services, hospitals, Crimes Against Persons, etc. There was also an investigation into my dad 's death by the coroner who determined it was an accidentally fall and not foul play. Anyways. XX/XX/XXXX was very stressful for me and I've had an otherwise great paymeny history. I've been a customer of Capital One since XXXX and have never disputed anything, asked for an exception, filed a dispute or anything. My accounts have been current for over a year. So I sent Capital One, XXXX, XXXX, and XXXX all my supporting evidence of my dispute and a XXXX page letter detailing my dispute and asking for a little grace just to have those late payments removed. I don't feel my request was unreasonable especially since people are still milking the XXXX cow and having things taken off their credit for that. I think my circumstances are a little bit worse than XXXX. What happened instead : My dispute has been ignored by all XXXX credit bureaus and Capital One. All 3 credit bureaus responded by putting a 7 year fraud alert on my account, when my information was never compromised. When I spoke to XXXX they admitted fault and removed the alert. XXXX and XXXX have ignored my communications, and I have not heard a response from Capital One as of yet. I would like you to investigate the issue and determine if what I originally disputed was reasonable under the Fair Credit Reporting Act, and if it is, communicate to Capital One and the credit bureaus the late payments from XXXX and XX/XX/XXXX should be removed. Further I would like you to counsel executives at each credit bureau when a fraud alert is appropriate. In my situation it was not. A parent 's stolen truck is not reason enough for an alert especially the only relevance it had was in regard to the dispute and my identity was never compromised. I can not communicate this to these people because I've made multiple calls and sent correspondence by mail. I did not attach documentation since XXXX, XXXX, XXXX, and Capital One all recieved my dispute letters, dads death certificate, obituary, my daughters obituary, and the stolen truck report supporting my extenuating circumstances.
Company Response:
State: KY
Zip: 42141
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A