Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I filed a previous complaint regarding Capital One and XXXX. I requested one thing, that Capital One remove the hard inquiry on my XXXX report because the denial of credit was based on the fact that my reports were frozen. Now there are three issues. It is clear that Capital One did not review my complaint in good faith and it is clear that they put no effort into even reading the complaint. They state in their response letter ; We received your correspondence to the Consumer Financial Protection Bureau ( CFPB ), requesting information or that we take action on your application for Neiman Marcus. 
We understand you would like us to reconsider the outcome for your application for credit. We have confirmed the decision that was made was correct. 

I was clear that I wanted the hard inquiry removed from my XXXX report. Never did I state that I wanted them to reconsider my application. They further state ; A letter dated XX/XX/XXXX was sent advising why the application was not approved. A copy of this letter is enclosed for your review. 

The letter confirmed what I had stated, the denial was based on the fact that my reports, apparently not XXXX, were frozen. Due to their inability to access them, in addition, they never attempted to contact me and request that I lift the freezes, they could not approve my application by stating ; Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable In the attached supporting document it is clear there is no agency named on the back of the letter denying my application. 
Back in their response letter to my complaint, they go on to support their reconsideration and subsequent denial, which I need to reiterate I NEVER REQUESTED. 

Additionally, we have enclosed an updated letter, dated XX/XX/XXXX, regarding the denial of the application for your review. Unfortunately, for the reasons outlined in our letters, we are unable to honor your request. 

This document is also attached. This time they attempt to cover up their error however they dig themselves a deeper hole. Now they make it sound as though they used multiple reports but at the same time they were frozen ; Thank you for applying for a Neiman Marcus Credit Card. Unfortunately, after reviewing your application and information obtained from your consumer credit reports ) from the consumer reporting agencies detailed on the back of this letter- we can not approve your request at this time. 
The reason ( s ) for our decision are : Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable On the back of this new letter they state the information regarding the FCRA but the verbiage capital one used was singular but they state that they used multiple, XXXX, XXXX, and XXXX. However, there are no inquiries with XXXX or XXXX as they were frozen, which I believed XXXX to be as well. Yet in the letter, it is clear they are referring to one agency. That is supported in the document. 
They finally say that they understand that I would like the hard inquiry removed and they flat out deny it. 

We also understand you would like us to remove the hard inquiry we reported about your application. We've confirmed that we're reporting accurate information. For this reason, we are respectfully declining your request that we ask the Credit Reporting Agencies ( CRAs ) to remove the hard inquiry. 

They knew they violated the FCRA so they reconsidered my application in an attempt to cover up their negligence but to anyone with a brain their claims are pure fiction and they have now implicated additional CRAs in their coverup.