determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	My brother passed away & his mail was forwarded to me. Collection agency ( admittedly ) cross-referenced his name with my address and put one of his debts on my credit report as a collection. I demanded that they remove it, but it is still there as a 'past ' collection. I reported it to the IL AG and she has n't heard anything.
Credit decision / Underwriting	Need to move into a XXXX facility. Can no longer afford to pay this morthage. Would like to have what monies I 've paid in marked off as paid in full.
Incorrect information on your report	The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.
Credit reporting company's investigation	I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. But Credit Bureaus have failed to give me investigation result
Charged fees or interest you didn't expect	I applied for a XXXX dollar loan and with interest I paid total XXXX. The apr was XXXX. The finance charge was XXXX. From researching I found out that this company might not be licensed in the state of Pennsylvania to be conducting loans like this. The loan started XX/XX/XXXX-XX/XX/XXXX. My checking account was debited every two weeks for XXXX up until XX/XX/XXXX which that last payment was XXXX.
Incorrect information on credit report	the company that reports credit EXPERIAN HAS OVER XXXX XXXX ADDRESSES THAT ARE NOT MINE AND OUT DATED INFORMATIONADDRESSES ABOUT XXXXOUTGATED INFORMATIONREQUESTED A SCORE AND REPORT AND THEY SENT NOTHING
Loan modification,collection,foreclosure	My mortgage company is trying to foreclose on my mortgage because they do not believe that I live in the property. I have faxed and emailed the documentation which the mortgage company asked me for ( initially ) so that I could be granted a loan modification. However, the mortgage company still does not believe that I live in the property. I appreciate your help.
Dealing with your lender or servicer	I have previously filed a complaint and the answer that you didnt dispute it sooner is not acceptable. They are saying when the loans went to them they were {$9000.00} but that is not true.
Fraud or scam	This number called me and knew my credit score and limit. XXXX They asked me to read out loud my credit card number. As I declined, they hung up. Please catch these scanners!
Communication tactics	This company Delta Management keep calling and threatening to take me to court. they constantly calling all day and night. No respect. I asked them to not call me any more. The continue calling. They also calls from different numbers and from private numbers. I don't know them and they said the government sold them my contract to collect education debts. My credit report shows that I don't owe any school, because it had been charged off. Please help.
Written notification about debt	On XX/XX/XXXX got a notification of a collection account on my credit report. Have not received any correspondence from collection agency. I didnt receive a notice so I didnt get to verify that the account is not mine before they reported it. They are required to send dunning letter 5 days after initial contact ( reporting ) and they have not.
Written notification about debt	I have called several times over the past 2 years to get information from the National Credit Systems in XXXX GA who claim they are collecting a debt from an old apartment complex where I lived over 5 years ago. When I moved I did n't owe the company any money now this collection was just placed on my credit with any rights to validate or dispute I have sent several cease and desist letters and they have refused to respond or take the item off my credit.
Unable to get credit report/credit score	I am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either XXXX or TransUnion.
Disclosure verification of debt	I have requested debt validation information from Parson Bishop National Collection and have not receive any legal documents that show they have the right to collect on this debt or where it came from. They have reported this un validated information to my credit report
Cont'd attempts collect debt not owed	Debt is to my ex wife as stated on my disillusion. I have told them probably over 60 times in the past two months and gave them her number. I have asked them to stop calling and they continuously call at all hours of the day. They have threatened to call my parents who are n't even apart of the situation.
Unable to get your credit report or credit score	I requested two months ago to cancel my membership and yet I am being BILLED and yet can not access my membership.
Loan servicing, payments, escrow account	Based on the Making Home Affordable Program Performance Report through XX/XX/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications?
Application, originator, mortgage broker	Why do Homebuilders not allow borrowers the right to choose a different mortgage lender than the XXXX they force yo to apply with.? It is unfair practice to force you to use their lender in the process to buy a home. Toll Brothers, XXXX, and XXXX XXXX engagin this restricted practice.
Credit reporting company's investigation	Equifax is showing a paid tax lien from California that was supposed to be removed from my credit report. I have disputed this to Equifax months ago and it is still in dispute
Struggling to pay your loan	on XXXX XXXX, I requested to Negotiate this debt and I have yet to get a response
Managing, opening, or closing account	My card was made inactive as usual when you go over the limit for your plan in a month, prior to this the amount I had available at that time was XXXX {$.00} it was there until RUSH card system went down then the balance changed to {$0.00} when I access my online account. I 've called customer service several times and have been told the system is still down at this time and no answers for me.
Disclosure verification of debt	I sent Enhanced Recovery a Validation of Debt letter, that was delivered on XX/XX/2016. According the FDRC laws a creditor has 30 days to complete their investigation and respond. Enhanced Recovery has violated the FDRC by not responding to the letter completely. The letter asked for proof the debt belonged to me and a copy of their license showing they are allowed to collect a debt in my state of residence. Non of which was produced.
Problem with a credit reporting company's investigation into an existing problem	I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Credit reporting company's investigation	They have had my accounts in dispute for three months with no date due back to me
Incorrect information on your report	THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU
Unexpected or other fees	Hello, You helped me obtain a refund from Netspend for {$14.00}. Unfortunately, their check bounced. I was charged a {$12.00} fee by my bank. This unusable card has now cost me {$26.00}.
Billing statement	FIRST PROGRESS SECURED CARD DOES NOT ANSWER PHONE OR RESPOSE FROM MAILING MY COMPLAINT THEY STATE THEY WILL REPORT TO ALL CREDIT BURUES THEY HAVE NOT DONE SO AS STATED ALWAYS WRONG INFO THAT HAS HURT MY SCORE NOW I HAVE A LETTER THAT SAYS I HAVE BALANCE OF XXXX AND A CREDIT LIMIT OF XXXX BUT WHEN I PULL UP MY ACCOUNT IT SAYS I AM NEGATIVE MONEY NO AVAILABLE CREDIT
Cont'd attempts collect debt not owed	I have previously disputed this account and the Kross Lieberman has stated that they did not get the documentation even though I have previously attached the police report and id theft affidavit. I have additionally faxed prior to this complaint all the information pertaining to this fraudulent account
Incorrect information on credit report	There is a late payment on my Experian credit report. It was removed and now has been reinserted on my credit report.
Cont'd attempts collect debt not owed	This company is yet the newest company who claims to have my home mortgage servicing as I am still in dispute with XXXX and RCS which has not yet been resolved as requested by the White House Liasion and my Congressman
Closing your account	American Express close my credit card account without send any notification. This is going to damage my credit history, never I authorized to cancel my account. Today I call to check my account but nobody give me answer and then hang up the phone while I spoke. I need to restore my account and my credit history. Thanks.
Attempts to collect debt not owed	Requested debt validation for this account .. have not received sufficient documentation that to support this debt.
Delinquent account	The credit card company has been taking funds out of my checking account since XXXX and not one payment has been applied to my account. I 've contacted my bank, and was advised that the credit card company has been getting the funds. This is a huge concern for me as it is {$110.00} that has been taking out, and not a penny has been applied to my credit card account.
Account opening, closing, or management	I am a permanent resident. I do not yet have a SSN. Ally online bank flatly refused to let me open an account without one although I explained that the gov.ss states I do not need one to open a bank account. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX make the online process impossible without a SSN.
Unable to get your credit report or credit score	XXXX MUST CONDUCT LOAN REVIEW WITH TRANSUNION AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON TRANSUNION CREDIT PROFILES. DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.
Communication tactics	they keep calling my cell phone number which I have never given them.
Deposits and withdrawals	On XX/XX/2014 Chase Banking copy, s of my bank statements a loan That I know nothing about this company was taken money out of my account Rise they have been sued Chase bank put on XXXX I have sent letters to them also I have had fraudulent accounts from loans to credit cards I have sent copy to law frim to look at I did know any loans never gave any to take any money out of my accounts Chase will not working on this to delet account XXXX.
Incorrect information on credit report	Both equifax and XXXX have my account with XXXX listed has charged off or repossesed. My car I got through them was stolen on XXXX XXXX and I have the police report to prove it.
Attempts to collect debt not owed	Debt does not belong to me and after research I have found National Credit System does not have License to collect in my state which is Florida
Incorrect information on your report	cra violation sent po report and ftc violation of my right inaccurate information
Other transaction issues	In XXXX 2014, I wired money to XXXX XXXX XXXX XXXX for studies. The amount was {$8800.00}. I, unfortunately, was not able to attend the school therefore I expected a full refund. I asked for this refund in XXXX 2014 and I have yet to receive it. XXXX XXXX XXXX XXXX has refused to give me my money back and they have chosen to ignore any of my attempts of communication.
Improper use of your report	Equifax 's security was breached and highly sensitive personal and financial information, including my own, was accessed by hackers. I am now a potential ( or current ) victim of identity theft and fraud.
Cont'd attempts collect debt not owed	I did not owe the debt and it was disputed on my credit by XXXX. It is no longer owed but a different collector is requesting the debt.
False statements or representation	I had this account with XXXX Credit Counseling in a group debt management program. This company called and said I had to set up a payment for this account and when I questioned if this account was already with my debt management program, they misrepresented the status of the account and told me I needed to sign up for XXXX dollar a month payment plan. They did not correct me when I asked them if this was a different account.
Incorrect information on your report	Creditor is XXXX XXXX XXXX and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.
Incorrect information on your report	incorrect information reported XXXX XXXX 2017 by XXXX and XXXX
False statements or representation	I called the number I found on my credit report and it just played music for XXXX minutes. ( Collection to Deville Management # XXXX {$1800.00} XXXX ) I have no record of this debt. I have no idea where it came from or what it 's for. I can not contact anyone to find out more information. I have no documentation to send you, because I 've never received any.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Loan servicing, payments, escrow account	A few years ago XXXX Mortgage bought my loan. at that time I hade filed Chapter XXXX Bankruptcy and it was discharged. they now tell me that they will not report my payment to the credit reporting bureaus it is having an adverse affect on my credit and I would like it changed
Improper use of your report	I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted Equifax. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed
Can't repay my loan	I have a student loan that is currently with Navient, They have forced me into forebearance and told me on several occasions there was nothing that could be done to lower my payments, despite knowing other people with Navient have been able to be on income based payment plans.
Problems when you are unable to pay	I fell behind on my car payments because I was unemployed. I had made payments when I could. When I was 60 days late they kept dunning me 4 to 5 times a day. The problem was is that they called my XXXX year old mother. I sent a letter to them and they called and told me it would n't happen again and it did. This woman is old and retired and does n't have to know my business.
Problem with fraud alerts or security freezes	Saying I owe at XXXX XXXX and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.
Incorrect information on credit report	I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.
Incorrect information on credit report	Tried to save my house went to bankruptcy court and field. both times I went I asked the clerk should I come back they said no. it will be dismissed. Lost the house anyway but the bankruptcy stays on my report its killing me
Incorrect information on your report	Good day! I was trying to get a approval to buy a house and I received this report on my Transunion credit bureaus that I was late on XXXX XXXX for 60 days in XXXX and XXXX month XX/XX/2014, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/2014 and XX/XX/2014 bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Transunion bureaus.
Taking/threatening an illegal action	First The say The original creditor was a company called XXXX or XXXX. Have never had any kind of loan through either of the companies. I have never signed with either of them. The letter states " This debt is too old for you to be sued on it in court as the statute of limitations has expired, and you ca n't be required to pay it through a lawsuit. ''
Problems when you are unable to pay	24 % interest rate high pmts refuses to help when i try and talk to someone refuses to allow me to speak with collections calls XXXX or more times a day when asked to stop very rude and demanding money has repo order on car even after i pay whst i can
Incorrect information on credit report	XXXX XXXX cent Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report
Written notification about debt	I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
Communication tactics	I have had to go to the local XXXX for XXXX and then when I had received E-Coli, I did not have the money to pay the bills. After continuous calls from patient billing services, they have sent my collections to debt collectors.
Opening an account	I opened account with a promise of promo bonus of {$220.00} for having direct deposits to my account and never got it.
False statements or representation	It started with one company saying I owe a debt. I spoke to them. The company insisted that I owed. After that with this company XXXX other companies are saying similar things. I am trying to get answers but no company will take NO! for an answer. It has been XXXX year and I still get these same companies calling everyday. So I just try not picking up. The companies are : CBE GROUP XXXX.
Loan servicing, payments, escrow account	This is an additional complaint to the previous XXXX. I already a confirmation number. My account was reported to XXXX on XXXX XXXX, 2016 as increase of {$540.00}.
Deposits and withdrawals	Citizens Bank put a hold on funds deposited for a check that was deposited at an ATM on Saturday night, XXXX until Tuesday, XXXX. The check cleared the payer 's bank on Tuesday, XXXX, but Citizens Bank continued to hold the funds. The check was for less than {$5000.00}.
Closing/Cancelling account	I have been attempting to cancel an XXXX XXXX credit card administered through Bank of America to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card.
Other features, terms, or problems	Keep getting phone calls from a company wanting to lower my interest rates on credit cards for wells Fargo Chase XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any credit cards. Also was called wanting to take out an extensive warranty on a car I do not own. How do I resolve these issues?
Disclosure verification of debt	I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt.
Can't repay my loan	I feel that I have been making monthly payments and my principal has just been increasing exponentially even though I am making interest payments and they have confirmed some goes to principal. I stopped making payments about XXXX months ago because they automatically kicked me out of a low-income program and said I have to reapply. How am I supposed to save and apply for a home one day if my loans keep growing ... XXXX of them went from XXXX to XXXX. I need help please.
Cont'd attempts collect debt not owed	I have sent several request to this company asking for removal of this debt if they can not provide me my signature as required by the law. They have answered by mail with a bill but refused to provide a validation of this debt by showing me a signature proving it belongs to me. They are violating the law by not providing me my signature as per my wirtten request
Improper use of your report	Called Equifax on XXXX, and advised that I 'm a victim of their security breach, and the inquiries on my credit report does not belong to me. Provided representative with the inquiries of : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX Bank XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The representative told me there is nothing that can be done and hung the phone up on me.
Communication tactics	Certified Services, Inc. repeatedly calls my grandmother and the man who calls threatens her with physical violence and uses profanity. She will hang up only to have the man call right back and continue to attempt to make her pay my debts.
Incorrect information on credit report	Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Experian is reporting. I have informed Experian that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX and XXXX XXXX
Disclosure verification of debt	After multiple attempts to verify amount of debt with creditor, over the course of two weeks, creditor has failed to provide amount of debt.
Incorrect information on your report	Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Forbearance / Workout plans	I received a credit offer from Seventh Avenue. I got behind on my payments and I faxed them a letter and mailed them a letter on the XXXX/XXXX/2015 requesting a repayment plan. As of today I have not received a letter from them.
Can't contact lender	not sure what the debt is for have n't talked to any XXXX someone named XXXX XXXX is calling my cell phone and family members threatening me and my family members that a citation will be issued and served. he states I can stop the process if I pay restitution. the company he says he is calling from is wise law offices? but when return phone calls it goes to a answer machine ph # he leaves is XXXX ex XXXX calls from XXXX
Deposits and withdrawals	I filed a complaint with Wells Fargo about fraud occurring on my banking account, I then filed a police report about the situation with the police office of where I currently live. I called the bank and they told me I will not be getting my money back on this. These actions occurred on XXXX XXXX.
Improper use of your report	XXXX XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Credit reporting company's investigation	Please see the attached documents. Trans Union has failed to show my signature on a chapter XXXX bankruptcy. I have sent XXXX good will letters to them and they have stated they have verified them. This is not correct. Under the FCRA 623 ( a ) ( 3 ) they have not investigated. I am asking that the chapter XXXX Bankruptcy be removed immediately.
Managing the loan or lease	Ford Credit has not been sending monthly statement reflecting amounts due or due dates
Managing the loan or lease	I have a loan with XXXX now know as Bridgecrest presently. This company no matter what will report late payments, even when you are caught up.
Incorrect information on credit report	MY NAME WAS USED FOR OTHER PERSON
Other features, terms, or problems	American Express suddenly canceled my credit card. I was a member since XXXX. I had XXXX membership rewards points at the time they canceled my card. I tried to dispute the cancellation but got nowhere. Now I am trying to get my XXXX points I legally earned while using their card. I have not been given any reason for the cancellation or for them not giving me my membership rewards points. This is unfair and I want to resolve this matter.
Problems when you are unable to pay	PLEASE SEE CASE NUMBER XXXX THIS IS AN ADDITION TO CASE NUMBER XXXX. On XXXX XXXX I was telephoned by whom i have knowledge to belive is chase bank ( telephone # XXXX ) at XXXX, XXXX, and XXXX. -see attached screenshots- All the calls were rejected on my behalf. Phone calls at this hour are absolutely unacceptable and a new EXTREME in repulsive business practices. Again please see case number XXXX for original complaint, this is an addition.
Customer service / Customer relations	I had asked Discover on three times to close account as allowed in our agreement but they failed to do so until the third time adding fees and interest in excessive of what should have been owed of they honored my account to close account one first attempt as is allowed by agreement.
Managing the loan or lease	I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me.
Incorrect information on your report	XX/XX/2013 {$0.00} paid out. It close account it still on my credit report
Incorrect information on credit report	I AM THE VICTIM OF IDENITY THEFT AND I HAVE DISPUTED FRAUDULENT ACCOUNTS ON MY EQUIFAX REPORT. THIS BUREAU CONTINUES TO REPORT FRAUDULENT AND INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.
Improper use of your report	My entire identity has been compromised due to equifax 's lax security. this has led to an inexcusable breach of my privacy and information. my entire life is now up for grabs which has the potential to ruin me.
Incorrect information on credit report	Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. I have reports dating back XXXX7 years and there is no serious delinquency listed. I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.
Incorrect information on credit report	XXXX Mortgage is attempting debt collection activity on an account with a zero balance. They have consistently reported incorrect balances, history and status of this account to the credit bureaus. On the XXXX report the balances indicated zero balances. However, on the Experian and XXXX report it reflects amount past due exceeding {$100000.00}.
Cont'd attempts collect debt not owed	I have received letters and phone calls from this debt collector demanding that I pay a fraudulent PayPal debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.
Unable to get credit report/credit score	I have contacted the company for a hardcopy of my credit report both online and by phone and still have not received a copy
Loan modification,collection,foreclosure	your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Communication tactics	They called my employer without my permission. XXXX/XXXX/XXXX
Incorrect information on your report	I submitted a claim with CFPB in XXXX , complaint number is # XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to XXXX XXXX for " incorrect name '' on personal information. My name is XXXX XXXX XXXX . My maiden name is XXXX XXXX . I have no middle initial. My email address is XXXX XXXX XXXX . Thank you, XXXX XXXX XXXX
Cont'd attempts collect debt not owed	Debt was paid in full - continuing to report on Credit Report under collection agency with an open date of XX/XX/2014 -- I did n't even live in the state of NY in XX/XX/2014 nowhere near this doctor. Reporting for {$150.00}.
Communication tactics	XXXX XXXX at Bilateral Credit is contacting me and my family after I have sent a cease and desist letter. He is using tactics such as 'spoofing ' his phone number. Rather than showing his real phone number or a 'restricted ' phone number, he is using software to make it seem like the XXXX , XXXX, or even XXXX office is calling. He is trying to harass my family with these tactics.
Account opening, closing, or management	I have been customer of CapitalOne 360 since XXXX. I was maintaining a checking account but not using for while. On XXXX XXXX XXXX my friend added me as joint account owner on his checking account and now I have XXXX checking account. But Capital One restricted my both accounts immediately and we do n't have access to the fund. Since it it online bank we made calls to to lift the restrictions but no luck.

Cont'd attempts collect debt not owed

My brother passed away & his mail was forwarded to me. Collection agency ( admittedly ) cross-referenced his name with my address and put one of his debts on my credit report as a collection. I demanded that they remove it, but it is still there as a 'past ' collection. I reported it to the IL AG and she has n't heard anything.

Credit decision / Underwriting

Need to move into a XXXX facility. Can no longer afford to pay this morthage. Would like to have what monies I 've paid in marked off as paid in full.

Incorrect information on your report

The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.

Credit reporting company's investigation

I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. But Credit Bureaus have failed to give me investigation result

Charged fees or interest you didn't expect

I applied for a XXXX dollar loan and with interest I paid total XXXX. The apr was XXXX. The finance charge was XXXX. From researching I found out that this company might not be licensed in the state of Pennsylvania to be conducting loans like this. The loan started XX/XX/XXXX-XX/XX/XXXX. My checking account was debited every two weeks for XXXX up until XX/XX/XXXX which that last payment was XXXX.

Incorrect information on credit report

the company that reports credit EXPERIAN HAS OVER XXXX XXXX ADDRESSES THAT ARE NOT MINE AND OUT DATED INFORMATIONADDRESSES ABOUT XXXXOUTGATED INFORMATIONREQUESTED A SCORE AND REPORT AND THEY SENT NOTHING

Loan modification,collection,foreclosure

My mortgage company is trying to foreclose on my mortgage because they do not believe that I live in the property. I have faxed and emailed the documentation which the mortgage company asked me for ( initially ) so that I could be granted a loan modification. However, the mortgage company still does not believe that I live in the property. I appreciate your help.

Dealing with your lender or servicer

I have previously filed a complaint and the answer that you didnt dispute it sooner is not acceptable. They are saying when the loans went to them they were {$9000.00} but that is not true.

Fraud or scam

This number called me and knew my credit score and limit. XXXX They asked me to read out loud my credit card number. As I declined, they hung up. Please catch these scanners!

Communication tactics

This company Delta Management keep calling and threatening to take me to court. they constantly calling all day and night. No respect. I asked them to not call me any more. The continue calling. They also calls from different numbers and from private numbers. I don't know them and they said the government sold them my contract to collect education debts. My credit report shows that I don't owe any school, because it had been charged off. Please help.

Written notification about debt

On XX/XX/XXXX got a notification of a collection account on my credit report. Have not received any correspondence from collection agency. I didnt receive a notice so I didnt get to verify that the account is not mine before they reported it. They are required to send dunning letter 5 days after initial contact ( reporting ) and they have not.

Written notification about debt

I have called several times over the past 2 years to get information from the National Credit Systems in XXXX GA who claim they are collecting a debt from an old apartment complex where I lived over 5 years ago. When I moved I did n't owe the company any money now this collection was just placed on my credit with any rights to validate or dispute I have sent several cease and desist letters and they have refused to respond or take the item off my credit.

Unable to get credit report/credit score

I am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either XXXX or TransUnion.

Disclosure verification of debt

I have requested debt validation information from Parson Bishop National Collection and have not receive any legal documents that show they have the right to collect on this debt or where it came from. They have reported this un validated information to my credit report

Cont'd attempts collect debt not owed

Debt is to my ex wife as stated on my disillusion. I have told them probably over 60 times in the past two months and gave them her number. I have asked them to stop calling and they continuously call at all hours of the day. They have threatened to call my parents who are n't even apart of the situation.

Unable to get your credit report or credit score

I requested two months ago to cancel my membership and yet I am being BILLED and yet can not access my membership.

Loan servicing, payments, escrow account

Based on the Making Home Affordable Program Performance Report through XX/XX/2015, of the XXXX Tier II modification awarded by Wells Fargo, how many home owners from the XXXX XXXX, XXXX XXXX XXXX received these modifications?

Application, originator, mortgage broker

Why do Homebuilders not allow borrowers the right to choose a different mortgage lender than the XXXX they force yo to apply with.? It is unfair practice to force you to use their lender in the process to buy a home. Toll Brothers, XXXX, and XXXX XXXX engagin this restricted practice.

Credit reporting company's investigation

Equifax is showing a paid tax lien from California that was supposed to be removed from my credit report. I have disputed this to Equifax months ago and it is still in dispute

Struggling to pay your loan

on XXXX XXXX, I requested to Negotiate this debt and I have yet to get a response

Managing, opening, or closing account

My card was made inactive as usual when you go over the limit for your plan in a month, prior to this the amount I had available at that time was XXXX {$.00} it was there until RUSH card system went down then the balance changed to {$0.00} when I access my online account. I 've called customer service several times and have been told the system is still down at this time and no answers for me.

Disclosure verification of debt

I sent Enhanced Recovery a Validation of Debt letter, that was delivered on XX/XX/2016. According the FDRC laws a creditor has 30 days to complete their investigation and respond. Enhanced Recovery has violated the FDRC by not responding to the letter completely. The letter asked for proof the debt belonged to me and a copy of their license showing they are allowed to collect a debt in my state of residence. Non of which was produced.

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

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Credit reporting company's investigation

They have had my accounts in dispute for three months with no date due back to me

Incorrect information on your report

THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU

Unexpected or other fees

Hello, You helped me obtain a refund from Netspend for {$14.00}. Unfortunately, their check bounced. I was charged a {$12.00} fee by my bank. This unusable card has now cost me {$26.00}.

Billing statement

FIRST PROGRESS SECURED CARD DOES NOT ANSWER PHONE OR RESPOSE FROM MAILING MY COMPLAINT THEY STATE THEY WILL REPORT TO ALL CREDIT BURUES THEY HAVE NOT DONE SO AS STATED ALWAYS WRONG INFO THAT HAS HURT MY SCORE NOW I HAVE A LETTER THAT SAYS I HAVE BALANCE OF XXXX AND A CREDIT LIMIT OF XXXX BUT WHEN I PULL UP MY ACCOUNT IT SAYS I AM NEGATIVE MONEY NO AVAILABLE CREDIT

Cont'd attempts collect debt not owed

I have previously disputed this account and the Kross Lieberman has stated that they did not get the documentation even though I have previously attached the police report and id theft affidavit. I have additionally faxed prior to this complaint all the information pertaining to this fraudulent account

Incorrect information on credit report

There is a late payment on my Experian credit report. It was removed and now has been reinserted on my credit report.

Cont'd attempts collect debt not owed

This company is yet the newest company who claims to have my home mortgage servicing as I am still in dispute with XXXX and RCS which has not yet been resolved as requested by the White House Liasion and my Congressman

Closing your account

American Express close my credit card account without send any notification. This is going to damage my credit history, never I authorized to cancel my account. Today I call to check my account but nobody give me answer and then hang up the phone while I spoke. I need to restore my account and my credit history. Thanks.

Attempts to collect debt not owed

Requested debt validation for this account .. have not received sufficient documentation that to support this debt.

Delinquent account

The credit card company has been taking funds out of my checking account since XXXX and not one payment has been applied to my account. I 've contacted my bank, and was advised that the credit card company has been getting the funds. This is a huge concern for me as it is {$110.00} that has been taking out, and not a penny has been applied to my credit card account.

Account opening, closing, or management

I am a permanent resident. I do not yet have a SSN. Ally online bank flatly refused to let me open an account without one although I explained that the gov.ss states I do not need one to open a bank account. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX make the online process impossible without a SSN.

Unable to get your credit report or credit score

XXXX MUST CONDUCT LOAN REVIEW WITH TRANSUNION AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON TRANSUNION CREDIT PROFILES. DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.

Communication tactics

they keep calling my cell phone number which I have never given them.

Deposits and withdrawals

On XX/XX/2014 Chase Banking copy, s of my bank statements a loan That I know nothing about this company was taken money out of my account Rise they have been sued Chase bank put on XXXX I have sent letters to them also I have had fraudulent accounts from loans to credit cards I have sent copy to law frim to look at I did know any loans never gave any to take any money out of my accounts Chase will not working on this to delet account XXXX.

Incorrect information on credit report

Both equifax and XXXX have my account with XXXX listed has charged off or repossesed. My car I got through them was stolen on XXXX XXXX and I have the police report to prove it.

Attempts to collect debt not owed

Debt does not belong to me and after research I have found National Credit System does not have License to collect in my state which is Florida

Incorrect information on your report

cra violation sent po report and ftc violation of my right inaccurate information

Other transaction issues

In XXXX 2014, I wired money to XXXX XXXX XXXX XXXX for studies. The amount was {$8800.00}. I, unfortunately, was not able to attend the school therefore I expected a full refund. I asked for this refund in XXXX 2014 and I have yet to receive it. XXXX XXXX XXXX XXXX has refused to give me my money back and they have chosen to ignore any of my attempts of communication.

Improper use of your report

Equifax 's security was breached and highly sensitive personal and financial information, including my own, was accessed by hackers. I am now a potential ( or current ) victim of identity theft and fraud.

Cont'd attempts collect debt not owed

I did not owe the debt and it was disputed on my credit by XXXX. It is no longer owed but a different collector is requesting the debt.

False statements or representation

I had this account with XXXX Credit Counseling in a group debt management program. This company called and said I had to set up a payment for this account and when I questioned if this account was already with my debt management program, they misrepresented the status of the account and told me I needed to sign up for XXXX dollar a month payment plan. They did not correct me when I asked them if this was a different account.

Incorrect information on your report

Creditor is XXXX XXXX XXXX and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.

Incorrect information on your report

incorrect information reported XXXX XXXX 2017 by XXXX and XXXX

False statements or representation

I called the number I found on my credit report and it just played music for XXXX minutes. ( Collection to Deville Management # XXXX {$1800.00} XXXX ) I have no record of this debt. I have no idea where it came from or what it 's for. I can not contact anyone to find out more information. I have no documentation to send you, because I 've never received any.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Loan servicing, payments, escrow account

A few years ago XXXX Mortgage bought my loan. at that time I hade filed Chapter XXXX Bankruptcy and it was discharged. they now tell me that they will not report my payment to the credit reporting bureaus it is having an adverse affect on my credit and I would like it changed

Improper use of your report

I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted Equifax. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed

Can't repay my loan

I have a student loan that is currently with Navient, They have forced me into forebearance and told me on several occasions there was nothing that could be done to lower my payments, despite knowing other people with Navient have been able to be on income based payment plans.

Problems when you are unable to pay

I fell behind on my car payments because I was unemployed. I had made payments when I could. When I was 60 days late they kept dunning me 4 to 5 times a day. The problem was is that they called my XXXX year old mother. I sent a letter to them and they called and told me it would n't happen again and it did. This woman is old and retired and does n't have to know my business.

Problem with fraud alerts or security freezes

Saying I owe at XXXX XXXX and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.

Incorrect information on credit report

I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.

Incorrect information on credit report

Tried to save my house went to bankruptcy court and field. both times I went I asked the clerk should I come back they said no. it will be dismissed. Lost the house anyway but the bankruptcy stays on my report its killing me

Incorrect information on your report

Good day! I was trying to get a approval to buy a house and I received this report on my Transunion credit bureaus that I was late on XXXX XXXX for 60 days in XXXX and XXXX month XX/XX/2014, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/2014 and XX/XX/2014 bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Transunion bureaus.

Taking/threatening an illegal action

First The say The original creditor was a company called XXXX or XXXX. Have never had any kind of loan through either of the companies. I have never signed with either of them. The letter states " This debt is too old for you to be sued on it in court as the statute of limitations has expired, and you ca n't be required to pay it through a lawsuit. ''

Problems when you are unable to pay

24 % interest rate high pmts refuses to help when i try and talk to someone refuses to allow me to speak with collections calls XXXX or more times a day when asked to stop very rude and demanding money has repo order on car even after i pay whst i can

Incorrect information on credit report

XXXX XXXX cent Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report

Written notification about debt

I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

Communication tactics

I have had to go to the local XXXX for XXXX and then when I had received E-Coli, I did not have the money to pay the bills. After continuous calls from patient billing services, they have sent my collections to debt collectors.

Opening an account

I opened account with a promise of promo bonus of {$220.00} for having direct deposits to my account and never got it.

False statements or representation

It started with one company saying I owe a debt. I spoke to them. The company insisted that I owed. After that with this company XXXX other companies are saying similar things. I am trying to get answers but no company will take NO! for an answer. It has been XXXX year and I still get these same companies calling everyday. So I just try not picking up. The companies are : CBE GROUP XXXX.

Loan servicing, payments, escrow account

This is an additional complaint to the previous XXXX. I already a confirmation number. My account was reported to XXXX on XXXX XXXX, 2016 as increase of {$540.00}.

Deposits and withdrawals

Citizens Bank put a hold on funds deposited for a check that was deposited at an ATM on Saturday night, XXXX until Tuesday, XXXX. The check cleared the payer 's bank on Tuesday, XXXX, but Citizens Bank continued to hold the funds. The check was for less than {$5000.00}.

Closing/Cancelling account

I have been attempting to cancel an XXXX XXXX credit card administered through Bank of America to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card.

Other features, terms, or problems

Keep getting phone calls from a company wanting to lower my interest rates on credit cards for wells Fargo Chase XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any credit cards. Also was called wanting to take out an extensive warranty on a car I do not own. How do I resolve these issues?

Disclosure verification of debt

I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt.

Can't repay my loan

I feel that I have been making monthly payments and my principal has just been increasing exponentially even though I am making interest payments and they have confirmed some goes to principal. I stopped making payments about XXXX months ago because they automatically kicked me out of a low-income program and said I have to reapply. How am I supposed to save and apply for a home one day if my loans keep growing ... XXXX of them went from XXXX to XXXX. I need help please.

Cont'd attempts collect debt not owed

I have sent several request to this company asking for removal of this debt if they can not provide me my signature as required by the law. They have answered by mail with a bill but refused to provide a validation of this debt by showing me a signature proving it belongs to me. They are violating the law by not providing me my signature as per my wirtten request

Improper use of your report

Called Equifax on XXXX, and advised that I 'm a victim of their security breach, and the inquiries on my credit report does not belong to me. Provided representative with the inquiries of : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX Bank XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The representative told me there is nothing that can be done and hung the phone up on me.

Communication tactics

Certified Services, Inc. repeatedly calls my grandmother and the man who calls threatens her with physical violence and uses profanity. She will hang up only to have the man call right back and continue to attempt to make her pay my debts.

Incorrect information on credit report

Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Experian is reporting. I have informed Experian that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX and XXXX XXXX

Disclosure verification of debt

After multiple attempts to verify amount of debt with creditor, over the course of two weeks, creditor has failed to provide amount of debt.

Incorrect information on your report

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Forbearance / Workout plans

I received a credit offer from Seventh Avenue. I got behind on my payments and I faxed them a letter and mailed them a letter on the XXXX/XXXX/2015 requesting a repayment plan. As of today I have not received a letter from them.

Can't contact lender

not sure what the debt is for have n't talked to any XXXX someone named XXXX XXXX is calling my cell phone and family members threatening me and my family members that a citation will be issued and served. he states I can stop the process if I pay restitution. the company he says he is calling from is wise law offices? but when return phone calls it goes to a answer machine ph # he leaves is XXXX ex XXXX calls from XXXX

Deposits and withdrawals

I filed a complaint with Wells Fargo about fraud occurring on my banking account, I then filed a police report about the situation with the police office of where I currently live. I called the bank and they told me I will not be getting my money back on this. These actions occurred on XXXX XXXX.

Improper use of your report

XXXX XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX

Credit reporting company's investigation

Please see the attached documents. Trans Union has failed to show my signature on a chapter XXXX bankruptcy. I have sent XXXX good will letters to them and they have stated they have verified them. This is not correct. Under the FCRA 623 ( a ) ( 3 ) they have not investigated. I am asking that the chapter XXXX Bankruptcy be removed immediately.

Managing the loan or lease

Ford Credit has not been sending monthly statement reflecting amounts due or due dates

Managing the loan or lease

I have a loan with XXXX now know as Bridgecrest presently. This company no matter what will report late payments, even when you are caught up.

Incorrect information on credit report

MY NAME WAS USED FOR OTHER PERSON

Other features, terms, or problems

American Express suddenly canceled my credit card. I was a member since XXXX. I had XXXX membership rewards points at the time they canceled my card. I tried to dispute the cancellation but got nowhere. Now I am trying to get my XXXX points I legally earned while using their card. I have not been given any reason for the cancellation or for them not giving me my membership rewards points. This is unfair and I want to resolve this matter.

Problems when you are unable to pay

PLEASE SEE CASE NUMBER XXXX THIS IS AN ADDITION TO CASE NUMBER XXXX. On XXXX XXXX I was telephoned by whom i have knowledge to belive is chase bank ( telephone # XXXX ) at XXXX, XXXX, and XXXX. -see attached screenshots- All the calls were rejected on my behalf. Phone calls at this hour are absolutely unacceptable and a new EXTREME in repulsive business practices. Again please see case number XXXX for original complaint, this is an addition.

Customer service / Customer relations

I had asked Discover on three times to close account as allowed in our agreement but they failed to do so until the third time adding fees and interest in excessive of what should have been owed of they honored my account to close account one first attempt as is allowed by agreement.

Managing the loan or lease

I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me.

Incorrect information on your report

XX/XX/2013 {$0.00} paid out. It close account it still on my credit report

Incorrect information on credit report

I AM THE VICTIM OF IDENITY THEFT AND I HAVE DISPUTED FRAUDULENT ACCOUNTS ON MY EQUIFAX REPORT. THIS BUREAU CONTINUES TO REPORT FRAUDULENT AND INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.

Improper use of your report

My entire identity has been compromised due to equifax 's lax security. this has led to an inexcusable breach of my privacy and information. my entire life is now up for grabs which has the potential to ruin me.

Incorrect information on credit report

Credit Reports sent to potential creditors list SERIOUS DELINQUENCY. I have reports dating back XXXX7 years and there is no serious delinquency listed. I did try to call the reporting agencies, but they said there was no delinquency to dispute so nothing they could do.

Incorrect information on credit report

XXXX Mortgage is attempting debt collection activity on an account with a zero balance. They have consistently reported incorrect balances, history and status of this account to the credit bureaus. On the XXXX report the balances indicated zero balances. However, on the Experian and XXXX report it reflects amount past due exceeding {$100000.00}.

Cont'd attempts collect debt not owed

I have received letters and phone calls from this debt collector demanding that I pay a fraudulent PayPal debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.

Unable to get credit report/credit score

I have contacted the company for a hardcopy of my credit report both online and by phone and still have not received a copy

Loan modification,collection,foreclosure

your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Communication tactics

They called my employer without my permission. XXXX/XXXX/XXXX

Incorrect information on your report

I submitted a claim with CFPB in XXXX , complaint number is # XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to XXXX XXXX for " incorrect name '' on personal information. My name is XXXX XXXX XXXX . My maiden name is XXXX XXXX . I have no middle initial. My email address is XXXX XXXX XXXX . Thank you, XXXX XXXX XXXX

Cont'd attempts collect debt not owed

Debt was paid in full - continuing to report on Credit Report under collection agency with an open date of XX/XX/2014 -- I did n't even live in the state of NY in XX/XX/2014 nowhere near this doctor. Reporting for {$150.00}.

Communication tactics

XXXX XXXX at Bilateral Credit is contacting me and my family after I have sent a cease and desist letter. He is using tactics such as 'spoofing ' his phone number. Rather than showing his real phone number or a 'restricted ' phone number, he is using software to make it seem like the XXXX , XXXX, or even XXXX office is calling. He is trying to harass my family with these tactics.

Account opening, closing, or management

I have been customer of CapitalOne 360 since XXXX. I was maintaining a checking account but not using for while. On XXXX XXXX XXXX my friend added me as joint account owner on his checking account and now I have XXXX checking account. But Capital One restricted my both accounts immediately and we do n't have access to the fund. Since it it online bank we made calls to to lift the restrictions but no luck.