CAPITAL ONE FINANCIAL CORPORATION

2019-07-15

Monterey, IN

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-07-15

Cataldo, ID

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: No Money Was Taken But I Have 2 Hard Inquirys That I Didnt Do. One From Capitol One, The Other From Cabelas. I Dont Use Nor Shop Those Places. Are People Opening Lines Of Credit In My Name?
Company Response: Closed with non-monetary relief

Timely Response

2019-07-15

Boistfort, WA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-07-15

Patterson, MD

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-07-15

Arco, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Overcharged for something you did purchase with the card
Complaint: I filled in a Credit Car Authorization Form with a merchant at XXXX XXXX XXXX XXXX and authorized my electrician to be able to charge electrical parts up to {$400.00} only. This authorization is good until XX/XX/XXXX. My electrician purchased many electrical items from a merchant ( XXXX XXXX XXXX XXXX ) using my Capital One credit card on file with the merchant. In XX/XX/XXXX, I went into the merchant myself and returned some unused items to the merchant. The merchant gave a credit in the amount of {$190.00} back to my Capital One credit card account on XX/XX/XXXX. This information is shown on my XX/XX/XXXX Capital One Credit Card Statement. A month later on my XX/XX/XXXX Capital One Credit Card Statement, Capital One charged me in the amount of {$190.00} which basically subtract my credit of the same amount from XX/XX/XXXX statement ( the previous month ). As a result, I return all those unused items and did not get any credits for them. I lost {$190.00}. I have tried to work with Capital One XXXX XXXX for many months, spoke to many representatives and the result is still unresolved. I spoke to XXXX ( a representative at Capital One ) a few times in XX/XX/XXXX regarding the matter. Later on, XXXX no longer worked on my case, so I spoke to XXXX ( a representative at Capital One with phone number XXXX extension XXXX ) in XX/XX/XXXX regarding the matter. In XX/XX/XXXX, XXXX no longer worked on my case, so I spoke to XXXX ( a representative at Capital One with phone number XXXX extension XXXX ). I spoke to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the matter is still not resolved. She asked me to wait for a letter from Capital One if Capital One need me to provide anymore information. On XX/XX/XXXX I called to speak to XXXX but she's no longer working on my case, so I spoke to a male representative from Capital One. He said he will send a letter me at my home along with documentation that the merchant submitted to Capital One. He said that I have to fill in the information and attach documents for {$190.00} along with a letter explaining the situation. On XX/XX/XXXX, I faxed in all of the document. I called Capital One on XX/XX/XXXX to check if they received my fax and the representative said to call in a few days. I called Capital One on XX/XX/XXXX again to check if they received my faxed document and they said yes and they said to wait to hear back from Capital One in a few days. I didn't hear anything back from Capital One for many weeks, so I called again on XX/XX/XXXX, I spoke to XXXX ( a representative at Capital One ), she said Capital One received all of my document, but my case has not been review yet. She said she put a rush on the case and it should be reviewed in 3 business days. I called into Capital One again on XX/XX/XXXX and spoke to a representative at Capital One, she said my case has not been reviewed yet. On XX/XX/XXXX, I received a letter from Capital One stated that " we are unable to assist with your claim. '' This letter mentioned {$150.00}. However, this letter does not mention regarding {$190.00} credit that Capital One took from me. In the document that I have faxed to Capital One on XX/XX/XXXX, two of the document that I submitted are the 2 exact same document that the merchant submitted to Capital One. Both of these document showing that {$190.00} is a credit that the merchant gave back to me. The merchant marked {$190.00} as " credit ''. If both the merchant and I agreed that {$190.00} is a credit back to me, I do not understand why Capital One took does not return me this credit amount? The summary, the merchant gave a credit in the amount of {$190.00} back to my Capital One credit card account on XX/XX/XXXX. This information is shown on my XX/XX/XXXX Capital One Credit Card Statement. A month later on my XX/XX/XXXX Capital One Credit Card Statement, Capital One charged me in the amount of {$190.00} which basically subtract my credit of the same amount from XX/XX/XXXX statement ( the previous month ). As a result, I return all those unused items and did not get any credits for them. I lost {$190.00} of credit.
Company Response: Closed with explanation

Timely Response

2019-07-14

Lakewood Village, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with explanation

Timely Response

2019-07-14

Corpus Christi, TX

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: XXXX XXXX has bought my debt And I getting consistent calls daily.
Company Response: Closed with explanation

Timely Response

2019-07-14

Philadelphia, PA

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: Capital One Auto has reported false unverifiable information on my credit for five years. Disputing the information has not been updated or any changes after each dispute. The payment history, dates, & amount owed is incorrect. Capital One refuses to fix the errors so Ive requested they delete the items from all three credit bureaus. There has been no changes and the repossession was from three years ago is being reported as repossessed last year.
Company Response: Closed with explanation

Timely Response

2019-07-14

Denver, CO

Improper use of your report

Credit card or prepaid card: General-purpose credit card or charge card

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-07-14

Scranton, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2019-07-14

Moreno Valley, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I have two ( 2 ) credit card accounts with CapitalOne.com, suddenly the last several months I noticed a closed account I once had with XXXX XXXX began to show up as a payment option on both accounts. The account with XXXX XXXX was closed in 2006. I became livid and wanted to know how CapitalOne got this account number, and who gave them permission to use a closed account as a payment option? I wrote to them and they asked me to call them because they didn't understand what I wrote. I became angry again, but I called. I explained why I was angry and was told my accounts were investigated and no such number or numbers for XXXX XXXX appeared and no such information was ever shown as a payment option on either account. I knew it was a lie and told the CS rep what I thought. I hung up and waited a month and this time rather than call I printed the information directly from the accounts with hopes you could help me get to the bottom of this deceitful act.
Company Response: Closed with monetary relief

Timely Response

2019-07-14

Brooklyn, NY

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I applied for a Capital One Venture Card via capitalone.com and was approved instantly. The card was advertised as carrying an annual fee of {$95.00} but waived for the first year. I took sceenshots when I applied and even after I was charged the annual fee upon the card activation, since the annual fee disclosure was still on the application page. When I called the customer service to complain and tried to get the annual fee waived, I was told that the annual fee was " just advertisement '' and there was " no option to do anything ''. I wonder whether this is a violation of the Truth in Lending Act? How can a credit card company use unambiguous words like " {$0.00} intro for the first year, {$95.00} after that '' and then still charge full annual fee for the first year?
Company Response: Closed with monetary relief

Timely Response

2019-07-14

Orange, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief

Timely Response

2019-07-14

Jupiter, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: It started Wed, XX/XX/2019 when I had my XXXX card pay my Capital One card a XXXX at no interest for one year. It turned out I gave XXXX the wrong card number and called back within 5 minutes and asked to send the money to the right card they said no problem and it would take about 2 weeks for them to receive the money. Needless to say they sent XXXX to each capital one card. I called Capital One and explained what happen and how should I handle the XXXX dollar credit on my second Capital One card? They said it would not be a problem and they can credit back to me where would I like them to send it? I told them to credit back to the Bank account I have on file that I make my payments from. They said that would be no problem and I did not think anything of it, I have an Auto Loan with over XXXX with them and over XXXX in Credit with Capital One. That was over 2 month and 20 hours on the phone with capital one at least 3 time a week. Long story short they removed the XXXX credit off my card but I never received the money back? They had me 3 way my bank and XXXX card several times looking for the money. Both my Bank and XXXX card told Capital One they never received the XXXX about 20 hours on the phone now total with Capital One trying to get my XXXX. Last week the last person I spoke to said he would put in a request and gave me a case number that documented all this and to have my money refunded again. Told me to wait 2 weeks and they would contact me, never heard any back from them so I called back in to see where my money is. They looked up the case number and told me the same thing all over again and that it is too bad they sent the money to my bank or card their not sure and that my Bank or other Card is lying to me and they have my money too bad!!!! They are not refunding it again and they do not have to prove they sent it?
Company Response: Closed with monetary relief

Timely Response

2019-07-13

Memorial Square, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-07-13

Oxford, GA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: After losing a personal business, I filed chapter XXXX and entered into a payment plan with capial one auto finance. As of XX/XX/2019 I paid off the auto as agreed. According to Capital one an additional {$940.00} was added to the loan, but I was never notified. Finally, more than 6 months after the chapter XXXX has ended capital one has added an additional {$10000.00} dollars to the loan
Company Response: Closed with explanation

Timely Response

2019-07-13

NC

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Complaint: Called Capital One after Hurricane Florence because my house had been damaged severely asking for a reduction in payments and was told they couldnt help. I can not make the minimum payment of $ 260+ since Im still trying to recover from the hurricane and they have closed my account after trying to make a payment and returned the payment after accepting it.
Company Response: Closed with explanation

Timely Response

2019-07-13

Austin, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: claims of debt from a credit card in XX/XX/2012 owed, however I have a current account with them now that is in good standing. Must be a mistake or fraud and company will not take off my credit report for all these years.
Company Response: Closed with explanation

Timely Response

2019-07-13

Sioux Falls, SD

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: I received a letter from Capital One stating that my account has been restricted, that I can no longer use my card, and it will be closed due to inactivity after XX/XX/2019. The letter noted a rewards balance that could be redeemed before XX/XX/2019. I had not received any prior notifications that it was being contemplated by Capital One that my account would be subject to closure for inactivity. If I had received a fair notification I could have taken action to locate my card and use my account as I did not wish for my account to be closed. I called Capital One on XX/XX/2019 after receiving the letter which was dated XX/XX/2019. I requested my account remain open as I have an excellent credit rating, had misplaced my card, and had not received any indication/notification from Capital One that my account could be closed in the near future due to inactivity. The representative I spoke with would only offer to redeem my rewards balance. I requested to speak to a supervisor. The call was transferred to a customer loyalty rep who subsequently hung up on me. Another call was placed and escalated to a Senior Account Supervisor who refused to un-restrict my account so that I could use it. The supervisor would not provide any assistance regarding my account despite being told that I don't believe that I received proper and fair notice and that the practice Capital One had in place was also unfair from a cardholder perspective. I am requesting that the CFPB look into Capital One 's practices in this regard including notifications provided, service quality by Capital One 's reps and supervisors, and why a card holder who is credit worthy should be handled and treated in the manner described. A few points to add, the supervisor refused to provide an address to which a complaint could be submitted to Capital One by me, instead simply advising me to find it on the website. In addition, the supervisor made it clear to me that Capital One would not escalate a cardholder call past a supervisor to a manager or above. Thank you for allowing me to contact you on this matter. It in vital to have representation for consumers and I appreciate the CFPB for protecting consumers.
Company Response: Closed with explanation

Timely Response

2019-07-13

Gretna, LA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Company Response: Closed with explanation

Timely Response

2019-07-13

TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: This is the history of what happened with Capital One, how they completely mislead me into thinking they were helping me to remove fraudulent accounts from my credit reports and in stead of helping me they deceived me completely and they are still trying to collect even though they know the debts do not belong to me. It started this XX/XX/XXXX when I obtained a free annual credit report for XXXX, XXXX and XXXX. Much to my chagrin I saw accounts that I do not own, name variations, social security number variations and many other items that I quickly disputed over a month ago through the proper channels via US certified mail. I have my receipts. Among the disputed items was the company XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, SC XXXX, phone number XXXX, account number ending in XXXX. This was listed on all of my credit reports showing a false debt in the amount of {$810.00}, with an alleged or supposed date of first delinquency on XX/XX/XXXX. This was and is horrifying to me because I am not their customer nor am I a customer of any affiliates. XXXX XXXX never mailed me, never emailed me and never called me about any account or accounts with them or any other creditor. Their fraudulent information just appeared on my credit reports. They did not comply with me or with the credit bureaus within 30 days to validate the debt. Since they did not respond to my dispute I called them to inquire and possibly dispute by phone. They said it was a Capital One account that was delinquent since XX/XX/XXXX and asked would I be scheduling a payment. XX/XX/XXXX is beyond the statue of limitations. I explained that the account did not belong to me and that I needed to speak with Capital One to find out what was going on. When I asked for the name and badge number of the XXXX rep I was speaking with she changed her story and gave a different account number XXXX, different dates and false addresses and insisted that I give her my mailing address and social security number. That was alarming so I ended the conversation with XXXX and called Capital One and asked them if I had or have an account in my name. They said if I did it could be found a few different ways and when none of the options turned up an account in my name they asked me to verify my social. I was hesitant, but I was under pressure to get this resolved with XXXX. When I gave Capital One my social they discovered 2 accounts for me, which added to my anxiety. They asked if I had any idea who would do something like this and I could not hold it in anymore. I broke down crying on the phone and shared some of the worst things I have ever experienced in my life with a stranger. The Capital One Rep said she was sorry to cause me to relive the trauma, but that she was working to have both accounts removed from all four credit bureaus and needed a good mailing address and phone number to reach me and if they needed anything else from me I could fax it to XXXX. They never called back to request additional information beyond a police incident number. The other account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX account number CAPIT- ending in XXXX in the amount of {$1900.00}. I have been very depressed over this because it is difficult to try to have a normal life after years of living in fear that my attackers who made my life a living hell may find me! I decided to check my credit reports online yesterday XX/XX/XXXX and XXXX XXXX XXXX was removed from XXXX and XXXX, so I thought that apparently Capital One kept their word to have these fraudulent accounts removed from the credit bureaus in my name. I called XXXX again on XX/XX/XXXX to update them and they took me through a frightening series of unscrupulous business practices trying to pry my social security number from me, seeking to collect a debt that is not mine. They know it is not mine even after I explained to them that Capital One assured me on XX/XX/XXXX that they would have the items removed from all credit reports as soon as possible because they verified that none of the addresses or phone numbers or email addresses used to open the accounts belonged to me ... On XX/XX/XXXX Capital One said they could see that even the home address listed a XXXX XXXX ... Capital One asked did I know how this could have happened or who could have done this to me ... I explained to them that I am a victim of violent crime associated with gang violence. My personal information was compromised when they stole my IDs and opened accounts in my name. I am the victim in this circumstance and yet XXXX threatened to sue me and completely disregarded the fact that Capital One already acknowledged that the information on file does not match anything associated with me and that fraud occurred. I needed help to get XXXX to cooperate. They know I reached out to them almost 3 or 4 months ago with the dispute and so has the credit bureaus. XXXX needs to be removed from my credit reports and be held accountable for insubordination, non-compliance and corrupt procedures. Please help me! Concerning the statute of limitations, their representative claimed that the debt dates back to XX/XX/XXXX and I noticed how they refused to give her name and badge number as well and did not comment on the fact that-that was withheld from me. They also failed to acknowledge that I called them in XX/XX/XXXX when I first saw fraudulent activity related to this account on my credit reports. They show a lack of compassion. They show greed by any means necessary ... the strong desire to collect a debt that is not mine and a desire to make me go in circles ... a stunt to keep this on my credit reports. They act as if XXXX did not conduct a thorough investigation, as if XXXX did not contact them stating that the debt is fraud and the result of identity theft and therefore XXXX removed it from my credit report, along with other related items! XXXX removed XXXX XXXX from my credit report within the past few weeks the report was refreshed ... XXXX XXXX claims that the first time they received anything from me was on XX/XX/XXXX yet they acknowledged receiving correspondence from the credit bureaus in writing FROM ME ... they failed to mention that they received this information in early XX/XX/XXXX. Initially, Capital One said they could not find these accounts in my name with the account numbers that were listed on my credit reports ... only after asking for my social security number, drivers license number, date of birth and address on XX/XX/XXXX did Capital One find that I had accounts with them, but they acknowledged that the accounts could not belong to me after asking a series of questions ... there were 3 accounts on my XXXX credit report related to Capital One and one was listed in good standing though it was not mine! Capital One acknowledged that they are not my accounts on XX/XX/XXXX they opened a case and assured me that they would remove them from my credit reports and no longer seek to collect the debts. Yet one of the collection agencies that they sold one of the debts to was giving me opposition on every hand, XXXX XXXX. I noticed that XXXX XXXX also failed to admit this and that ALL of the contact information linked with the account does not match any information linked to me. This is conveniently evasive of XXXX XXXX. They are transparent. Does it make sense that the first time they have been contacted by me was XX/XX/XXXX? Perhaps that is a typo and they meant to say XX/XX/XXXX or XX/XX/XXXX ... maybe it is an oversight. Otherwise, it is gross negligence on their part. I need help to resolve all of this once and for all. Now to make matters worse Capital One is not properly communicating within their various departments to help resolve this completely. XXXX was taken care of properly, or so I thought, but not XXXX XXXX XXXX- my credit report from XXXX in XX/XX/XXXX shows 3 accounts for Capital One. Two were collection accounts and one was showing good standing pays on time. I disputed all 3 and 2 out of three were removed. The problem is Capital One listed the same fraud debt twice. I have a copy- as if trying to double dip or collect twice on a fraud debt. This is illegal. They already acknowledged that the accounts were fraud to me on XX/XX/XXXX and to XXXX and removed the one in alleged good standing that said pays on time, but left the one they sold for the same debt to XXXX XXXX XXXX and now companies harass me and worst of all Capital One changed the address associated with the dispute to the address linked with the account. I confronted them because they and the credit bureaus said the address on file listed a XXXX XXXX as the residence so the accounts or applications should have never been approved by Capital One. Further more, when confronted, they changed their story claiming that the address listed from the disputes through the credit bureaus was the one used to open the accounts, which is false! They already told me that XXXX XXXX were used and listed as a residence on the applications. Either they are completely deceitful and took advantage of my dispute contact information that I used when disputing through the credit bureaus and through the XXXX and switched it in their system or this is a nasty oversight. Then again, they could have lied to me on XX/XX/XXXX about helping me and used all of the valid information they said they needed in order to find the accounts, because they claimed that the account numbers I gave them from the credit reports did not pull up any accounts for me in their system. They are caught because when I disputed with XXXX, I used my parents address to communicate about the disputes to Capital One. That is when another collection agency, XXXX XXXX XXXX, that bought one of the debts from Capital One sent alleged information about the account to my parents house and all of the addresses on their documents from Capital One list a XXXX XXXX shown as a residence and none of the information matches any address, email or phone number of mine. Either way, I need them to remove this from my credit reports with all 4 credit bureaus and never attempt to collect again. Today, XX/XX/XXXX, I found a piece of mail from Capital One concerning the debt they sold to XXXX XXXX. After acknowledging that it is fraud, Capital One is now back in control of the debt and informed me that the account has not been changed and now it will be handled by Capital One Corporate Office who is seeking to still collect an {$810.00} debt that is the result of identity theft. It is evident that Capital One is not trying to help me, but deceive me and the consumer reporting agencies. Unfortunately, I am forced to open up and explain what has really been going on from XX/XX/XXXX-XX/XX/XXXX. I have been a victim of violent crime. There have been repeated attempts by the attackers to take my life. They have shot up the home where I take care of my senior citizen parents. The restraining order listed addresses and phone numbers that they were ordered to avoid and they retaliated over the years with more violence, so this is why I travel a lot- hiding while different relatives take care of my indigent parents. I have been threatened and intimidated by these criminals, I have lived in fear and would like to try to overcome and get some control over my life ... salvage any relationships I have with family and friends. Some day I intend to apply for my first pre-approved credit card. I was hoping it would be soon, but after the way Capital One mishandled these issues and thieves have assumed my identity ( and my parents ) and have made it difficult to have a normal life, I do not know if I will ever be able to proceed. My identity and the identity of my parents have been stolen and though I was involved in data breaches with my bank, with XXXX and XXXX XXXX XXXX, Hurricane Harvey hurt us and past Tropical Storms and floods were a nightmare. Please imagine how it seems impossible for me and my parents to recover from crimes committed against us on top of everything else. The biggest problems have come from the men and women who have tried to take my life and shoot up anyone who might be inside of the house. They stole from my bank accounts time and time again or made unauthorized purchases online according to the banks ... my credit reports are riddled with variations of social security numbers, addresses, phone numbers, names and fraudulent accounts. The dispute process is very meticulous and draining. My parents credit reports are the same. Step by step we are trying our best to report to the necessary agencies and seek help, but in a way to avoid harm coming our way again, if possible. You have no idea how often my bank accounts have been hacked, compromised, robbed or account information changed concerning billing and change of mailing addresses without my prior knowledge, consent or doing. This year alone, they wiped out my accounts and my parents bank accounts and savings, too. They have opened store accounts and credit accounts in our names and these items appeared on our free annual credit reports. XXXX issued an extended fraud alert to all credit bureaus on our behalf. We are advised to report to the Federal Trade Commission and also to the Consumer Financial Protection Bureau. This is challenging because it is not worth dying to report their names to law enforcement again! Please let me know what you need from me so that I may receive your assistance with my requests. I have attached a few documents, a 4-page PDF needs to be submitted separately but some correspondence from these companies and collection agencies are included. Only The 4 page PDF is not to be viewed by Collection Companies. It is not to be viewed by any of the businesses involved because I sent the PDF to XXXX with too much personal information. Then I had to send more information regarding Capital Ones latest deception concerning trying to still collect the debt from XXXX XXXX through the Capital One Corporate office. The 4 page PDF also explains the situation to XXXX about how another company has been giving me the run-around, not responding to calls or when answering leaving me on hold for hours and then disconnecting the call ... leaving a number to contact them, but no one answers and voicemail does not work. I am also suspicious that they are using robots and or computers to generate generic responses that do not address the seriousness and urgency of my situation. By the way, Capital One and other credit card companies have supposedly pre-approved me for credit cards, but after this I would never consider doing business with Capital One and in stead will opt to accept an offer from a different company- though with the mess that Capital One has made is making the odds less favorable for me to establish what would be my first credit card, should it go well. Capital One disregarded the police incidents that were filed by me over the years. Perhaps they will take the one filed by my Mother seriously and help me this time by clearing my name of these fraudulent debts permanently. A copy of that report number and slip is attached. Once we saw all of this on our credit reports and bank accounts were targeted around the same time my Mom took action this time and she is too fragile to be upset all over again and too elderly to be robbed of her savings and living in constant fear of more retaliation.
Company Response: Closed with explanation

Timely Response

2019-07-13

Grosse Ile, MI

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX ( XXXX ) XXXX XXXX XXXX while my mom worked in XXXX. A XXXX credit card was opened in my name, three capital one cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A XXXX ' card was opened in my name. A Gold master card was opened in my name. A XXXX XXXX Master Card was opened in my name. They were all maxed out. I was an innocent XXXX year-old. XXXX continued to wait until the death of my grandfather. She opened an XXXX XXXX card in his and my name ( because he was dead and I was alive. ) She opened a XXXX and opened a XXXX XXXX in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and max them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!
Company Response: Closed with explanation

Timely Response

2019-07-13

NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: This account was deleted and its should not be on my credit report I am requesting that it be removed permanently wiped off my credit bureau report with XXXX XXXX and XXXX. I have proof that this account was deleted and now theres a duplicate that I would like deleted from all 3 major credit bureaus.
Company Response: Closed with explanation

Timely Response

2019-07-13

Rock Island, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with monetary relief

Timely Response

2019-07-13

TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: XXXX XXXX XXXX XXXX just had some XXXX show up to my ex-neighbors house harrassing them and leaving notes on their door regarding sueing me I can not take the repeated phone calls and letters after I asked them not to contact and harass my family and friends but to no avail today was the last straw and I have proof someone harrrased my neighbor.
Company Response: Closed with explanation

Timely Response