Consumer complaint received 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, On XX/XX/XXXX, XXXX random inquires from XXXX XXXX XXXXXXXX popped up on my credit report. They are and will be past business bank accounts of ours as well as personal checking/savings and credit card. 

I recieved X2 Hard inquires on the same day which took my credit score down by XXXX points. 

These were dated back : XXXX XXXX XXXXXXXX applied for credit XX/XX/XXXX : This was NOT done by me. 
XXXX XXXX XXXX applied for credit XX/XX/XXXX : This was not Done by me XXXX XXXX  XXXX has been the worse decision I have ever made as they have continually done this through the years without any merit or conset. The offers they send not only are discarded, but they also say that they are soft inquiry only variety. So to have a hard inquiry and 2, at that show up on the same day with different dates in the far past that I did NOT apply for, fill out any form or do anything to engage in or use XXXX XXXX XXXX whatsoever is debilitating to my credit report especially when I am trying to buy a home and rent an apartment. 

On Friday XX/XX/XXXX I had went into the branch I started the accounts and inquired why these were showing up on my report. They could not answer the questions ans they show no forms or online forms that connect myself, my business account nor my DBA with these dates or hard inquiries. 

They told me that they were " perplexed '' that this could happen and that they have several departments that possibly handle this. 

On the Week of XXXX XXXX XXXX I had kindly called all of these numbers, were rederitcted to other numbers and filed an immediate removal of these inquires. I was answered with once again, the ability to not know how or why they got on that report nor able to supply evidence of it being Myself or myself ( XXXX XXXX XXXX XXXX XXXX  of my businesess XXXX XXXX XXXX XXXX and DBA XXXX XXXX. 

Furthermore, XXXX XXXX XXXX  has no record of XXXX XXXX XXXXXXXX being our buisness bank account and reports no financial connection between my business and our 6 accounts we have with them. 

Further more, XXXX XXXX only picks up 1 payment to my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, internet, TV, ... XXXX XXXX water, sewage and trash, Subscription based credit and trade lines, or any type of continual ongoing lines, credit or information pertinent to my credit health and paid on time and even early over the past 7 years. Again, they have no explanation nor any clue on why they are not connected. The Acccounts clearly state that they directly will report to these beurous including XXXX XXXX XXXX, XXXX, XXXX and XXXX. Interesting how they will report bogus hard inquires, but not anything of true value as I have documentation of the original requests and promises that XXXX XXXX XXXXXXXX state to report to these agencies upon opening of a XXXX Account and dollar amount which we have surpassed every single year since we opened the account in XXXX. At that time they were to report to XXXX XXXX for our busines and my personal account as they are both used when anything happenes. I have since then been able to start the process of seperating these 2 as my credit directly effects my business which is of the highest standards in quality, kindess, empathy and compassion. Our values of of the highest and we are creating change in our enviroments to grow other people sense of kindship, creativity and honest and integrity. XXXX XXXX XXXXXXXX has done the obverse and coninually created hardships for us, charged us bogus fees, and recently paid credit card payemtns for us or a glitch in their system is paying our bills 3X a day on the same day for different values. they have no explanationi for this either as I dont believe they have any control over their security anymore. 

We have had X8 data leaks from XXXX XXXX XXXXXXXX and had to get new Cards shipped to us due to their inability to secure their business structure and IT structure resulting in our infomration being leaked to the public. Their recent, the biggest in history has been the start of this current complaint. 

Again, 2 hard inquries on all credit reporting agencies, and highly negativily impacting my business and personal credit. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual DATES of illeged incidents : -- XXXX reports : XX/XX/XXXX, XX/XX/XXXX -- XXXX reports CAPITAL ONE ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Bank Account Misrepresentation, payments and misuese of my personal account resulting in higher fees, overdraft fees of values I have never seen or read about and confusing data to accompany these transactions with no evidenece they were made by Mysel of my business. 

on XX/XX/XXXX there was a Credit card payment of 3 varieties on the same day, 3 different values : {$35.00} {$150.00} {$200.00} This was a glitch in their system but I belive it ended up charging me overdraft fees. This is not the first time this has happened. 


ALL BELOW ARE BOGUS, AND I CALLED ALL OF THEM AND THEY REPORTED NO EVIDENCE OF ME APPLYING FOR ANY OF THESE!! THEY SUGGESTED I CONTACTED THE CREDIT REPORTING AGENCIES AS THEY HAVE NO IDEA WHAT AND WHY THAT WOULD HAPPEN. 

Capital One : Reported a Hard inquiry and a 30 days late In XX/XX/XXXX. Both were non legitiment credit reporting. I did have them remove the 30 days late, but they said it would stay on the report for 90 days before it can be removed which I know is against the fair trade and credit act. 

Capital One : Also did a hard inquiry on XX/XX/XXXX This was not enabled or requested or anything by myself and also just showed up on my credit report out of a random inquiry and hurt our credit report. 

XXXX XXXX : another inquiry I have no clue where came from but called an no way to contact. 
You applied for a credit card on XX/XX/XXXX XXXX You applied for a loan on XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief