Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6770870
Complaint Overview
Complaint ID: 6770870
Company: Capital One Financial Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Connecticut
ZIP Code: 06457
Date Received: 2023-03-29T12:00:00-05:00
Date Sent to Company: 2023-03-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
15 U.S. Code 1605 - Determination of finance charge It has come to my attention that before I purchase my car I was charged a fee XXXX dollars and which time I was told that this would be needed to purchase my car I have been looking up laws and was determine that this a violation of the consumer law that I just stated This XXXX dollars was not applied to my loan amount and was in direct violation of the above consumer law please have someone contact me immediately or I will hold enterprise civilly liable My down payment was paid threw a online portal XXXX days before I received my car I Have the original contract and the total cost of vehicle is not accurately displayed I was told that I had to pay XXXX dollars to receive my car which is a violation of truth and lending act
Frequently Asked Questions
What is Complaint #6770870 about?
Complaint #6770870 was filed against Capital One Financial Corporation regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-03-29T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.