Consumer complaint received 2019-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019 I found a woman off of XXXX named XXXX who offered credit repair services. She told me for {$690.00} she would add tradelines to my credit report. XXXX asked me to use XXXX to purchase the tradelines however I did not want to use XXXX as I had a bad experience with XXXX. XXXX said she wanted me to use XXXX because XXXX had suspended her account : XXXX and told me to use her partners account XXXX XXXX 's XXXX account XXXX. XXXX told me that she got the tradelines from XXXX at XXXX XXXX ( XXXX ) XXXX and the tradelines would appear on my credit report in 30 45 days to boost my scores so I could purchase an investment property. 

Between XX/XX/XXXX and XX/XX/2019 no tradelines appeared on my credit report. When I contacted XXXX XXXX, I found out XXXX did not work for XXXX XXXX and did not appear anywhere in their system. XXXX and I contacted XXXX in a three way call and she changed her story from getting the tradelines from XXXX XXXX  to she was going to get the tradelines through a third party wholesaler. When I asked her for the contact information to the third party wholesaler, she told me the contact information could not be provided. 

XXXX lives in XXXX but has a XXXX number and her partner XXXX has a number XXXX. After the three way call with XXXX XXXX, XXXX started avoiding my calls and would not provide me with the 'third party wholesaler ' that she claimed to have used for the tradelines. 

I then contacted XXXX and reported fraud and XXXX told me I would receive a refund in 10 business day. I never got a refund. 

XXXX stated XXXX and XXXX posted three tradelines on my credit report. I asked XXXX to provide me with copies of any/all written documentation showing XXXX posted tradelines on my credit reports - XXXX could not provide me with the documentation requested. I asked XXXX for the name of the tradeline brand ( e.g. XXXX XXXX, the credit limit, age of tradeline ( s ) and the date the tradelines supposedly posted to the credit report so I can confirm with the Credit Bureaus - XXXX could not provide me with information about the tradelines. I asked XXXX to provide me with the third party wholesaler 's contact information ( name, phone number, website, email ) that XXXX claimed to have used - XXXX does not have the third party wholesalers contact information. I asked XXXX for XXXX current contact information - they could not provide that information. I asked XXXX to provide me with documentation used in their investigation to confirm the tradelines posted to my credit report and I have not received any documentation from XXXX. XXXX then sent me an email stating they need an additional 75 days to conduct another investigation. 

In the meantime, my Capital One card was charged {$690.00}. XXXX told Capital One and Master card that the transaction was valid based off of verbal statements from XXXX and XXXX. I told Capital One and XXXX that the transaction was relate to " the sale of certain items before the seller has control or possession of the item '', " involve certain credit repair, credit transactions '' which " involve offering or receiving payments for the purpose of bribery or corruption '' " involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. '' Which violates XXXX policy and I would like my refund. I have been scammed and would like XXXX to give me my refund of {$690.00}. 

Dispute Case ID : XXXX Transaction Amount : {$690.00} USD Dispute Amount : {$690.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2019 I also provided XXXX, the credit bureaus and Capital One with a MP3 recording about the transaction. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation