CAPITAL ONE FINANCIAL CORPORATION

2019-07-09

Green Oaks, IL

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2019-07-09

Chicago, IL

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: Their customer service would not help and take care of the negative paid to delete settled account reporting to your credit report. When agreed to have removed.
Company Response: Closed with explanation

Timely Response

2019-07-09

Gloucester City, NJ

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: XXXX XXXX XXXX is a recorded message from Capital One CC. The voice says, Hi this is XXXX ... and goes on and on. They call all hours of the day and night and even though I blocked them and it goes straight to voicemail, I delete them. I have received over 30 calls in about less than a month. I am going through XXXX XXXX, no longer work and have sent them a cease and desist letter but they ignore it.
Company Response: Closed with explanation

Timely Response

2019-07-09

Lake Charles, LA

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-07-09

Occoquan, VA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/2019 there was a charge made in my account from XXXX XXXX XXXX in the amount of {$180.00}. When I noticed the transaction I contacted Capital One and explained to them that this was an unauthorized transaction. They opened a claim and issued me a temporary credit on XX/XX/2019. On XX/XX/2019 the credit was reversed. I contacted the bank to find out what was going on because I hadn't received any correspondence regarding this claim. They told me that they contacted the company and they had my name, email, and address and that the claim is closed as being valid. I asked for the contact information for the company and when I contacted them they said that this charge was for an online school. I explained to them the same as I had explained to my bank and they told me that my bank had closed the claim in their favor and that there was nothing that they could do. the letter decision/non-factual conclusions based on circumstantial " evidence '' which draw no conclusions of FACTS regarding this matter is what Capital Oneis using as a reason to not refund my money. I previously stated to Capital One, that I did not benefit from these transactions Capital One 's unverified conclusions were based solely on circumstantial papers or hearsay. The decision of denial regarding the disputed transactions Is prejudicial to, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX account. without verified proof Capital One has a duty to replace the funds taken from the XXXX XXXX 's account. Sincerely, XXXX XXXX, Account beneficiary All rights reserved XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-09

Queens, NY

Closing your account

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

Company closed your account
Complaint: This bank has treated me horibke their customer service I lost my credit card to report fraudulent transactions that incurred on the card and they told me not to make a payment and now I login and find out they closed my card after being a loyal customer for 4 years and want me to reapply
Company Response: Closed with explanation

Timely Response

2019-07-09

Main Office, VA

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: I was past due on all my credit cards and began working with each lender on payment plans. Each bank, except Capital One, was easy to work with and I'm fully complying with their payment plans. Each time I called Capital One the rep tried to force me to pay thousands to catch up and would say there wasn't anything they could do. Each rep on each call would talk about how I was already on a plan and I kept stating that I wasn't. All of this would be on their recorded lines. Capital One just refused to help. On XX/XX/2019, I started an online chat ( see attached ) at XXXX with representative XXXX XXXX. On page 5 you can read Mr. XXXX telling me that I am already enrolled in a program and I once again respond, " I don't know why it was. I didn't ask for that. '' Five sentences later Mr. XXXX says, " It shows that your account is also eligible for our long-term payment program. '' We discuss the monthly payments, interest rate, the terms of the program. On page 7 he asks, " Do you accept this offer? '' I respond, " The only question I have is the 'The Long-Term Payment Plan does not reduce the balance or obligation to Capital One. ' That sounds to me like I'm throwing money away and it doesn't actually go towards paying off the account. Can you please clarify? '' Mr. XXXX responds, " Please be rest assured, in the 'Long-Term payment program. '' " The full balance will get pay down with monthly payments of {$390.00} for 60 months. '' Two sentences later I respond, " Alright. Sign me up. I appreciate your being able to work with me. '' On the same page I agree to make a payment of {$410.00} at that moment which I do. On the very next page, page 8, Mr. XXXX writes, " This payment will not bring the account current, however, it WILL PREVENT THE ACCOUNT FROM FURTHER DELINQUENCY and will stop the phone calls during that period of time '' ( Emphasis mine ) Further down on page 8 I provide him with the confirmation code of XXXX that confirms I had just paid the {$410.00}. The chat ended at XXXX. I received a letter from Capital One, see attached letter, dated XX/XX/2019, which confirms my enrollment in a " Workout Program '' but otherwise seemingly in line with what I agreed. This is NOT the name of the program I was told I had been enrolled in on the chat. Also, on this letter, point 10 says that being in the Workout Program does not guarantee that the account won't be charged off. This is contradictory to the online chat agreement which I have in bold above. On XX/XX/XXXX I made a payment, in accordance with the agreement, of {$400.00} which is more than was owed. See attachment of email confirmation of payment. On XX/XX/XXXX I tried to use Capital One 's online system to make my next payment and was barred from doing so because the account had been charged off. I called the number provided on the website and spoke to a woman who agreed that I was enrolled in the LONG-TERM PAYMENT PROGRAM and that this was most likely a mistake and that she would send my account over for review. I made the {$400.00} payment over the phone. See attached letter that confirms the payment. See attached letter dated XX/XX/XXXX verifying that I had contacted Capital One to dispute the charge off. Today, XX/XX/2019, I received a letter from Capital One dated XX/XX/2019. The letter states the charge-off status is correct. I have several issues. First, Capital One was horrendous to work with from the get-go. They just do not want to set people up on payment plans and don't want to reduce interest rates in order to get people back on track. Second, I consider the online chat to be a legal agreement as XXXX XXXX is a collections specialist with Capital One and is therefore authorized to make such agreements. Third, I upheld my end of the agreement but Capital One charged off my account any way. Fourth, every time I had called Capital One to try and work out a payment plan I was told I was already in a plan which was not true. I had at no point agreed to any other plan. It's my contention that Capital One preys on consumers who are not savvy enough to know they are being manipulated. Fifth, the letter they sent to me verifying the details of the agreement contradicted the agreement I had made with Mr. XXXX in terms of program name and that I was to have no further collection action taken. But I, un-savvily, decided to assume that Capital One was going to honor the original agreement. Sixth, since I have been charged-off, the $ 1000+ I paid to Capital One since the agreement was made is basically money thrown away should they decide to sell the loan off.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-09

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-07-09

PA

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX, 60 days late as of XX/XX/XXXX, and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Closed with explanation

Timely Response

2019-07-09

Auburn Hills, MI

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-07-09

Old Westfield, NY

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

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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-07-09

Virginia Bch, VA

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2019-07-09

Thompsons Station, TN

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you in a state where you do not live or did not sign for the debt
Complaint: My First & LAST name, My Street NUMBER & Street NAME, and My City and State are as Follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee TODAY IS XX/XX/2019 ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. ( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. ( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right MY PERSONAL 20-digit TRACKING NUMBER IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. To whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, fcra compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : You have listed an inaccurate Public Record on my credit file. I need to have it removed as soon as possible. I am filing this dispute of the Public Record Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular public record including if this was obtained by a third party Information Broker and if the information was provided in Metro-2 format and updated by the information provider to include complete personal identifiers including Full Legal Name and Address. I have been advised by my family attorney that his investigation of this erroneous public record leads him to believe that your firm has MIXED my file information and inappropriately assigned this public record to my credit report. Here is the erroneous record you are reporting. The following allegations each require immediate deletion, do so now and here! Below are the accounts in question : To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification or validation requests by electronic means for civil judgments or liens? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. I am attempting to confirm the testimonial composed certificate to the every single one even each any and or all of facts to the truth, accuracy, completeness and compliance ( including even to Metro 2 data field formatted reporting ) of the process and procedure used in your office for the alleged validation and verification of any and all Liens ( be it state tax lien, federal tax lien, civil lien, property lien, mechanics lien, and or lien else wise, mentioned here or not ) and Judgments ( again be it civil, federal, or even lawfully criminal should you be so derelict of dutiful responsible and reliable reporting that you might be considered an enabler of fraud and or identity theft. Being the severe and sensitive nature of this here formal consumer complaint, your obligation at a minimum would include you could assuredly physically and manually reviewing and thereafter genuinely answering the following questions to irrefutably clarify a legal situation for me. To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification any of the Personal Information such as correct name, address or Date of birth for validation inquirys? I am of great confidence you do realize and abide by such understanding that any and all parties reporting debt ( s ) and or derogatory credit information must respond to consumer inquiries. All parties reporting credit information must comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), any applicable state laws and regulatory authorities. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the Date of First Delinquency is used to comply with FCRA sections 605 and 623 ( obsolescence period ). Testimony now to the fullness of adequate reporting of the Date Of First Delinquency here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides information related to how long any such court Clerk 's office maintains records of civil actions? To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides answer written requests for validation of civil judgments or liens? Any and all Third Party Collection Agency ( s ) is ( are ) a company ( ies ) or individual ( s ) who specializes in collecting outstanding debts for other businesses or individuals, therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Any and all Debt Purchaser ( s ) / Factoring Company ( s ) is ( are ) a company ( ies ) or individual ( s ) who regularly purchases accounts with the intent of collecting debts owed and or reporting any claim of derogatory otherwise, .therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Testimony now to the fullness of adequate reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report data in the standard Metro 2 Format. Testimony now to the fullness of adequate standard Metro 2 Format reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. 6-Will your Clerk 's office respond to telephone inquiries about civil judgments or liens? Any and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report at least on a monthly basis. Testimony now to the fullness of adequate monthly standard Metro 2 Format reporting here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names. Testimony now to the fullness of adequate standard Metro 2 Format reporting including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must report the individual 's complete and unique account number as extracted from the alleged consumers file. Testimony now to the fullness of adequate standard Metro 2 Format reporting including the alleged consumers complete and unique number as extracted from the same identified and exact alleged consumer here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office participates with or is a member of an electronic system that allows other agencies or private parties to validate or verify court information? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : COURT # 1 OF RECORD-DOCKET NUMBER or ACTION NUMBER-DATE FILED XXXX XXXXXX/XX/2019 Notation : : Please Provide Physical Proof of COMPLIANCE and Verification NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIM To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides Validate or Verify information requests from 3rd Parties? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the internal code ( s ) that unmistakably identifies every and one even each any and or all of the third party collection agency ( ies ) /debt purchaser ( s ) /factoring company ( ies ) where information is certified to be lawfully and irrefutably proven verified. Testimony now to the fullness of adequate standard Metro 2 Format reporting of the internal code ( s ) including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. 9-Does your Clerk 's office report public information and Data in the Metro-2 format? Thank you sincerely for your TIME and answers to my questions. I have included a self-addressed stamped envelope with my letter today, if you would be so kind to sign and title the response and place it in the envelope and return it to the outgoing mail it would be greatly appreciated. Might it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. ii XXXX Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. iv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) , so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. viii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, al pha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information. 1. Tell me in writing what information you refuse to remove and why. 2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is an automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied evenly and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE! Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below. Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-09

Baton Rouge, LA

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2019-07-09

Laramie, WY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: This account was Closed/ Write-off in XXXX and removed from my credit score. Capital One has now turned around reopened this account and put it back on my credit report with a different date and different collection company. I I have not has a credit card with Capital One at any time in XX/XX/XXXX. This is false and extremely hurting my credit score. I have not ever received anything in the mail from Capital One saying I owe them anything or borrowed {$430.00} from them in XXXX of XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-09

Berwyn, IL

Fees or interest

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

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2019-07-09

Grimsley, TN

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with non-monetary relief

Timely Response

2019-07-08

Ocala, FL

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with explanation

Timely Response

2019-07-08

Cherry Brook, MA

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-07-08

Lake City, GA

Improper use of your report

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

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

Timely Response

2019-07-08

Astoria, NY

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

2019-07-08

Lakewood, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-08

Loma Linda, CA

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-07-08

Little Rock, AR

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: Auto purchased using Capital One Auto Navigator with required use of their particular dealerships. Purchase completed XX/XX/2019 with XXXX at address XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Sales tax, title & licensing fees financed into purchase for a total of {$1700.00} and were paid to the dealership. After more than 60 days and the temporary tags have expired, I am unable to get a response from the Capital One required dealership, XXXX, and Capital One is claiming there is nothing they can do because the title has not been issued. However, I am still required to make the payments for an automobile I can not legally drive due to expired temporary tags and no permanent tags that have been prepaid for.
Company Response: Closed with explanation

Timely Response

2019-07-08

Northbush, NY

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response