Date Received: 2023-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: there was no debt it was paid in full and they still took money from banking accounts etc and had negative impact on my credit score and all payments were made on time.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I was notified of a hard inquiry on my credit from Capital One on XX/XX/2023. I did not apply for anything with them. I immediately called them and informed them of this fraudulent account. They confirmed that an account exists with my name and social security number. They claimed that the date of birth on file was different, so they could not close the account. I was able to find the phone number associated with the account, and it took XXXX minutes of investigation to figure out that it is the phone number of a deceased woman that is no longer in service. It is very concerning that an account like this would pass XXXX in the first place. It is even more concerning that after being notified of this fraudulent account, they won't close it or at the very least flag the account. After, I called the Credit Bureau to report the identity theft, and they told me it was on the bank to cancel the account.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. Upon reviewing my credit report, I noticed some inaccuracies regarding late payments that are negatively impacting my credit score. I understand the importance of accurate and up-to-date information on credit reports, and I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following entries : CAPITAL ONEXXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONEXXXX XXXX XXXX customer service After conducting a thorough review of my financial records, I can confirm that these late payments are either inaccurate or were reported in error. I kindly request that you investigate this matter and, if appropriate, remove or correct the mentioned late payments from my credit report. I appreciate your prompt attention to this issue and request that you notify me of the results of your investigation. If the late payments are found to be inaccurate, I kindly ask for their removal from my credit report.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wish that you are doing well as I write this. I'm writing to let you know of an issue with my account 's reporting of late payments. I found that there are late payment entries on my account that have lowered my credit score after looking over my most recent credit report. I understand the importance of accurate reporting, and I am committed to maintaining a positive credit history. However, I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following details : CAPITAL ONE XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or CAPITAL ONE customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct or remove this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. After carefully examining my financial records, I have found that these late payments are either inaccurately reported or were submitted in error. I kindly request that you review my account and, if appropriate, remove the mentioned late payments from my account history.
Company Response:
State: CA
Zip: 90717
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I XXXX XXXX XXXX always paid on time and had a XXXX balance with capital one XXXX I got XXXX XXXX on XX/XX/ and at that time my wallet went missing plus tablet. I called Capital One and all my other accounts from XXXX phone that's recorded and informed them including capital one that my identity was stolen and all my accounts were being used. Capital One told me they would investigate the issue. I even made a small payment bc my credit report is valuable to me. So I can prove I was detained/incarcerated while these unauthorized charges were made but capital one and every other credit company still reported delinquent payments and closed my account/ accounts. Capital One is slandering my credit report and credit score which is against the Fair credit reporting act. I filed a dispute with XXXX and in less then 48 hours their investigation was done and kept reporting that my capital one account was delinquent which is false. I always paid on time and had a XXXX balance and that the truth is what should be reported to all 3 credit bureaus and if it's not fixed as soon as possible I will be filing a lawsuit
Company Response:
State: MD
Zip: 21221
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital One processed my application for credit and opened XXXX credit cards lines for my household use. I gave Capital One value in which it became an asset that was able to gain profits for Capital One. An open ended consumer pain can not be defaulted nor late. Capital ( XXXX ) " Financial asset, '' except as otherwise provided in Section XXXX, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this XXXX. As context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement. ( XXXX ) [ reserved ] breached the contract when they closed the consumer account. XXXX XXXX Code XXXX - Open end consumer credit plans XXXX XXXX Notes XXXX | next ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( XXXX ) The conditions under which a finance charge XXXX be imposed, including the time period ( if any ) within which any credit extended XXXX be repaid without incurring a finance charge, except that the creditor XXXX, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact. ( XXXX ) The method of determining the balance upon which a finance charge will be imposed. ( XXXX ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge. ( XXXX ) Where XXXX or more periodic rates XXXX be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year. ( XXXX ) XXXX of other charges which XXXX be imposed as part of the plan, and their method of computation, in accordance with regulations of the XXXX. ( XXXX ) In cases where the credit is or will be secured, a statement that a security interest has been or will be taken in ( A ) the property purchased as part of the credit transaction, or ( B ) property not purchased as part of the credit transaction identified by item or type. ( XXXX ) A statement, in a form prescribed by regulations of the XXXX of the protection provided by sections XXXX and XXXX of this title to an obligor and the creditors responsibilities under sections XXXX and XXXX of this title. With respect to XXXX billing cycle per calendar year, at intervals of not less than XXXX months or more than XXXX months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle. ( XXXX ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section XXXX ( a ) of this title; and ( B ) the XXXX determines is not described in any other paragraph of this subsection. ( b ) XXXX required with each billing cycle The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : ( XXXX ) The outstanding balance in the account at the beginning of the statement period. ( XXXX ) The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the XXXX sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section XXXX of this title. In lieu of complying with the requirements of the previous sentence, in the case of any transaction in which the creditor and seller are the same person, as defined by the XXXX, and such persons open end credit plan has fewer than XXXX accounts, the creditor XXXX elect to provide only the amount and date of each extension of credit during the period and the sellers name and location where the transaction took place if ( A ) a brief identification of the transaction has been previously furnished, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section XXXX of this title. ( XXXX ) The total amount credited to the account during the period. ( XXXX ) The amount of any finance charge added to the account during the period, itemized to show the amounts, if any, due to the application of percentage rates and the amount, if any, imposed as a minimum or fixed charge. ( XXXX ) Where XXXX or more periodic rates XXXX be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and, unless the annual percentage rate ( determined under section XXXX ( a ) ( XXXX ) of this title ) is required to be disclosed pursuant to paragraph ( XXXX ), the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year. ( XXXX ) Where the total finance charge exceeds XXXX cents for a monthly or longer billing cycle, or the pro rata part of XXXX cents for a billing cycle shorter than monthly, the total finance charge expressed as an annual percentage rate ( determined under section XXXX ( a ) ( XXXX ) of this title ), except that if the finance charge is the sum of XXXX or more products of a rate times a portion of the balance, the creditor XXXX, in lieu of disclosing a single rate for the total charge, disclose each such rate expressed as an annual percentage rate, and the part of the balance to which it is applicable. ( XXXX ) The balance on which the finance charge was computed and a statement of how the balance was determined. If the balance is determined without first deducting all credits during the period, that fact and the amount of such payments shall also be disclosed. ( XXXX ) The outstanding balance in the account at the end of the period. ( XXXX ) The date by which or the period ( if any ) within which, payment must be made to avoid additional finance charges, except that the creditor XXXX, at his election and without disclosure, impose no such additional finance charge if payment is received after such date or the termination of such period. ( XXXX ) The address to be used by the creditor for the purpose of receiving billing inquiries from the obligor. ( XXXX ) ( A ) A written statement in the following form : Minimum Payment Warning : Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay your balance., or such similar statement as is established by the XXXX XXXX to consumer testing. ( B ) Repayment information that would apply to the outstanding balance of the consumer under the credit plan, including ( i ) the number of months ( rounded to the nearest month ) that it would take to pay the entire amount of that balance, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( ii ) the total cost to the consumer, including interest and principal payments, of paying that balance in full, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( iii ) the monthly payment amount that would be required for the consumer to eliminate the outstanding balance in 36 months, if no further advances are made, and the total cost to the consumer, including interest and principal payments, of paying that balance in full if the consumer pays the balance over 36 months ; and ( iv ) a toll-free telephone number at which the consumer XXXX receive information about accessing credit counseling and debt management services. ( C ) ( i ) Subject to clause ( ii ), in making the disclosures under subparagraph ( B ), the creditor shall apply the interest rate or rates in effect on the date on which the disclosure is made until the date on which the balance would be paid in full. ( ii ) If the interest rate in effect on the date on which the disclosure is made is a temporary rate that will change under a contractual provision applying an index or formula for subsequent interest rate adjustment, the creditor shall apply the interest rate in effect on the date on which the disclosure is made for as long as that interest rate will apply under that contractual provision, and then apply an interest rate based on the index or formula in effect on the applicable billing date. ( D ) All of the information described in subparagraph ( B ) shall ( i ) be disclosed in the form and manner which the XXXX shall prescribe, by regulation, and in a manner that avoids duplication ; and ( ii ) be placed in a conspicuous and prominent location on the billing statement. ( XXXX ) In the regulations prescribed under subparagraph ( D ), the XXXX shall require that the disclosure of such information shall be in the form of a table that ( i ) contains clear and concise headings for each item of such information; and ( ii ) provides a clear and concise form stating each item of information required to be disclosed under each such heading. ( F ) In prescribing the form of the table under subparagraph ( XXXX ), the XXXX shall require that ( i ) all of the information in the table, and not just a reference to the table, be placed on the billing statement, as required by this paragraph ; and ( ii ) the items required to be included in the table shall be listed in the order in which such items are set forth in subparagraph ( B ). ( G ) In prescribing the form of the table under subparagraph ( D ), the XXXX shall employ terminology which is different than the terminology which is employed in subparagraph ( B ), if such terminology is more easily understood and conveys substantially the same meaning. ( XXXX ) Requirements relating to late payment deadlines and penalties. ( A ) Late payment deadline required to be disclosed. In the case of a credit card account under an open end consumer credit plan under which a late fee or charge XXXX be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date. ( B ) XXXX of increase in interest rates for late payments. If XXXX or more late payments under an open end consumer credit plan XXXX result in an increase in the annual percentage rate applicable to the account, the statement required under subsection ( b ) with respect to the account shall include conspicuous notice of such fact, together with the applicable penalty annual percentage rate, in close proximity to the disclosure required under subparagraph ( A ) of the date on which payment is due under the terms of the account. ( C ) Payments at local branches. If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge XXXX be imposed due to the failure of the obligor to make payment on or before the due date for such payment. ( c ) Disclosure in credit and charge card applications and solicitations ( XXXX ) Direct mail applications and solicitations ( A ) Information in tabular format Any application to open a credit card account for any person under an open end consumer credit plan, or a solicitation to open such an account without requiring an application, that is mailed to consumers shall disclose the following information, subject to subsection ( XXXX ) and section XXXX ( c ) of this title : ( i ) Annual percentage rates ( XXXX ) Each annual percentage rate applicable to extensions of credit under such credit plan. ( II ) Where an extension of credit is subject to a variable rate, the fact that the rate is variable, the annual percentage rate in effect at the time of the mailing, and how the rate is determined. ( XXXX ) Where more than XXXX rate applies, the range of balances to which each rate applies. ( ii ) XXXX and other fees ( I ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of a credit card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle. ( II ) Any minimum finance charge imposed for each period during which any extension of credit which is subject to a finance charge is outstanding. ( XXXX ) Any transaction charge imposed in connection with use of the card to purchase goods or services. ( iii ) Grace period ( I ) The date by which or the period within which any credit extended under such credit plan for purchases of goods or services must be repaid to avoid incurring a finance charge, and, if no such period is offered, such fact shall be clearly stated. ( II ) If the length of such grace period varies, the card issuer XXXX disclose the range of days in the grace period, the minimum number of days in the grace period, or the average number of days in the grace period, if the disclosure is identified as such. ( iv ) Balance calculation method ( I ) The name of the balance calculation method used in determining the balance on which the finance charge is computed if the method used has been defined by the XXXX, or a detailed explanation of the balance calculation method used if the method has not been so defined. ( II ) In prescribing regulations to carry out this clause, the XXXX shall define and name not more than the XXXX balance calculation methods determined by the XXXX to be the most commonly used methods. ( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( XXXX ) and ( f ) : ( i ) XXXX advance fee Any fee imposed for an extension of credit in the form of cash. ( ii ) Late fee Any fee imposed for a late payment. ( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account. ( XXXX ) Telephone solicitations ( A ) In general In any telephone solicitation to open a credit card account for any person under an open end consumer credit plan, the person making the solicitation shall orally disclose the information described in paragraph ( XXXX ) ( A ). ( B ) Exception Subparagraph ( A ) shall not apply to any telephone solicitation if ( i ) the credit card issuer ( I ) does not impose any fee described in paragraph ( XXXX ) ( A ) ( XXXX ) ( I ) ; or ( II ) does not impose any fee in connection with telephone solicitations unless the consumer signifies acceptance by using the card ; ( ii ) the card issuer discloses clearly and conspicuously in writing the information described in paragraph ( XXXX ) within 30 days after the consumer requests the card, but in no event later than the date of delivery of the card ; and ( iii ) the card issuer discloses clearly and conspicuously that the consumer is not obligated to accept the card or account and the consumer will not be obligated to pay any of the fees or charges disclosed unless the consumer elects to accept the card or account by using the card. ( XXXX ) Applications and solicitations by other means ( A ) In general Any application to open a credit card account for any person under an open end consumer credit plan, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall meet the disclosure requirements of subparagraph ( B ), ( C ), or ( D ). ( B ) Specific information An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation contains ( i ) the information ( I ) described in paragraph ( XXXX ) ( A ) in the form required under section XXXX ( c ) of this title, subject to subsection ( XXXX ), and ( II ) described in paragraph ( XXXX ) ( B ) in a clear and conspicuous form, subject to subsections ( XXXX ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant XXXX contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed. ( C ) General information without any specific term An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation ( i ) contains a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) there are costs associated with the use of credit cards ; and ( II ) the applicant XXXX contact the creditor to request disclosure of specific information of such costs by calling a toll free telephone number or by writing to an address, specified in the application; ( ii ) contains a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number and a mailing address at which the applicant XXXX contact the creditor to obtain such information ; and ( iii ) does not contain any of the items described in paragraph ( XXXX ). ( D ) Applications or solicitations containing subsection ( a ) disclosures An application or solicitation meets the requirement of this subparagraph if it contains, or is accompanied by ( i ) the disclosures required by paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) ; ( ii ) the disclosures required by subparagraphs ( A ) and ( B ) of paragraph ( XXXX ) of this subsection included clearly and conspiciously [ XXXX ] ( except that the provisions of section XXXX ( c ) of this title shall not apply ) ; and ( iii ) a toll free telephone number or a mailing address at which the applicant XXXX contact the creditor to obtain any change in the information provided. ( XXXX ) Prompt response to information requests Upon receipt of a request for any of the information referred to in subparagraph ( B ), ( C ), or ( D ), the card issuer or the agent of such issuer shall promptly disclose all of the information described in paragraph ( XXXX ). ( XXXX ) Charge card applications and solicitations ( A ) In general Any application or solicitation to open a charge card account shall disclose clearly and conspicuously the following information in the form required by section XXXX ( c ) of this title, subject to subsection ( XXXX ) : ( i ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of the charge card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle. ( ii ) Any transaction charge imposed in connection with use of the card to purchase goods or services. ( iii ) A statement that charges incurred by use of the charge card are due and payable upon receipt of a periodic statement rendered for such charge card account. ( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each written application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( XXXX ) and ( f ) : ( i ) XXXX advance fee Any fee imposed for an extension of credit in the form of cash. ( ii ) Late fee Any fee imposed for a late payment. ( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account. ( C ) Applications and solicitations by other means Any application to open a charge card account, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall contain ( i ) the information ( I ) described in subparagraph ( A ) in the form required under section XXXX ( c ) of this title, subject to subsection ( XXXX ), and ( II ) described in subparagraph ( B ) in a clear and conspicuous form, subject to subsections ( XXXX ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant XXXX contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed. ( D ) Issuers of charge cards which provide access to open end consumer credit plans If a charge card permits the card holder to receive an extension of credit under an open end consumer credit plan, which is not maintained by the charge card issuer, the charge card issuer XXXX provide the information described in subparagraphs ( A ) and ( B ) in the form required by such subparagraphs in lieu of the information required to be provided under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) with respect to any credit extended under such plan, if the charge card issuer discloses clearly and conspicuously to the consumer in the application or solicitation that ( i ) the charge card issuer will make an independent decision as to whether to issue the card ; ( ii ) the charge card XXXX arrive before the decision is made with respect to an extension of credit under an open end consumer credit plan ; and ( iii ) approval by the charge card issuer does not constitute approval by the issuer of the extension of credit. The information required to be disclosed under paragraph ( XXXX ) shall be provided to the charge card holder by the creditor which maintains such open end consumer credit plan before the first extension of credit under such plan. ( XXXX ) Charge card defined For the purposes of this subsection, the term charge card means a card, plate, or other single credit device that XXXX be used from time to time to obtain credit which is not subject to a finance charge. ( XXXX ) XXXX authority of the XXXX XXXX XXXX XXXX, by regulation, require the disclosure of information in addition to that otherwise required by this subsection or subsection ( d ), and modify any disclosure of information required by this subsection or subsection ( d ), in any application to open a credit card account for any person under an open end consumer credit plan or any application to open a charge card account for any person, or a solicitation to open any such account without requiring an application, if the XXXX determines that such action is necessary to carry out the purposes of, or prevent evasions of, any paragraph of this subsection. ( XXXX ) Additional notice concerning introductory rates ( A ) In general Except as provided in subparagraph ( B ), an application or solicitation to open a credit card account and all promotional materials accompanying such application or solicitation for which a disclosure is required under paragraph ( XXXX ), and that offers a temporary annual percentage rate of interest, shall ( i ) use the term introductory in immediate proximity to each listing of the temporary annual percentage rate applicable to such account, which term shall appear clearly and conspicuously ; ( ii ) if the annual percentage rate of interest that will apply after the end of the temporary rate period will be a fixed rate, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing of the temporary annual percentage rate in the tabular format described in section XXXX ( c ) of this title ), the time period in which the introductory period will end and the annual percentage rate that will apply after the end of the introductory period; and ( iii ) if the annual percentage rate that will apply after the end of the temporary rate period will vary in accordance with an index, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing in the tabular format prescribed by section XXXX ( c ) of this title ), the time period in which the introductory period will end and the rate that will apply after that, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation. ( B ) Exception Clauses ( ii ) and ( iii ) of subparagraph ( A ) do not apply with respect to any listing of a temporary annual percentage rate on an envelope or other enclosure in which an application or solicitation to open a credit card account is mailed. ( C ) Conditions for introductory rates An application or solicitation to open a credit card account for which a disclosure is required under paragraph ( XXXX ), and that offers a temporary annual percentage rate of interest shall, if that rate of interest is revocable under any circumstance or upon any event, clearly and conspicuously disclose, in a prominent manner on or with such application or solicitation ( i ) a general description of the circumstances that XXXX result in the revocation of the temporary annual percentage rate ; and ( ii ) if the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ( I ) will be a fixed rate, the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ; or ( II ) will vary in accordance with an index, the rate that will apply after the temporary rate, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation. ( D ) Definitions In this paragraph ( i ) the terms temporary annual percentage rate of interest and temporary annual percentage rate mean any rate of interest applicable to a credit card account for an introductory period of less than 1 year, if that rate is less than an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation; and ( ii ) the term introductory period means the maximum time period for which the temporary annual percentage rate XXXX be applicable. ( XXXX ) Relation to other disclosure requirements Nothing in this paragraph XXXX be construed to supersede subsection ( a ) of section XXXX of this title, or any disclosure required by paragraph ( XXXX ) or any other provision of this subsection. ( XXXX ) Internet-based solicitations ( A ) In general In any solicitation to open a credit card account for any person under an open end consumer credit plan using the Internet or other interactive computer service, the person making the solicitation shall clearly and conspicuously disclose ( i ) the information described in subparagraphs ( A ) and ( B ) of paragraph ( XXXX ) ; and ( ii ) the information described in paragraph ( XXXX ). ( B ) Form of disclosure The disclosures required by subparagraph ( A ) shall be ( i ) readily accessible to consumers in close proximity to the solicitation to open a credit card account ; and ( ii ) updated regularly to reflect the current policies, terms, and fee amounts applicable to the credit card account. ( C ) Definitions For purposes of this paragraph ( i ) the term Internet means the international computer network of both Federal and non-Federal interoperable packet switched data networks; and ( ii ) the term interactive computer service means any information service, system, or access software provider that provides or enables computer access by multiple users to a computer server, including specifically a service or system that provides access to the Internet and such systems operated or services offered by libraries or educational institutions. ( XXXX ) Applications from underage consumers ( A ) Prohibition on issuance No credit card XXXX be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) Application requirements An application to open a credit card account by a consumer who has not attained the age of XXXX as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of XXXX having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of XXXX ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. ( C ) Safe harbor The XXXX shall promulgate regulations providing standards that, if met, would satisfy the requirements of subparagraph ( B ) ( ii ). ( d ) Disclosure prior to renewal ( XXXX ) In general A card issuer that has changed or amended any term of the account since the last renewal that has not been previously disclosed or that imposes any fee described in subsection ( c ) ( XXXX ) ( A ) ( XXXX ) ( I ) or ( c ) ( XXXX ) ( A ) ( i ) shall transmit to a consumer at least 30 days pr
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have this ongoing transaction dispute with Capital One Credit Card since XX/XX/XXXXXXXX regarding a XXXX XXXX transaction. Capital One denied my claim and I resubmitted my claim. I also submitted a complaint and a claim for refund to UA I am writing to CFPB about the charges I have to pay on my Capital One credit card for a flight I was forced to purchase a Return Ticket from XXXX XXXX when I already purchased a ROUND TRIP ticket on XX/XX/XXXX from the XXXX XXXX ( XXXX ) website for a flight from XXXX to XXXX, and returning from XXXX to XXXX on XX/XX/XXXX. XXXX only honored the Outbound flight to XXXX but cancelled the return from XXXX to XXXX as the XXXX ticketing agent in XXXX said when I was trying to check in for my return flight to XXXX, that XXXX was not paid for the flight by XXXX XXXX. I didnt understand why this would be relevant to me since I purchased the ROUND TRIP ticket from XXXX in the first place. Due to errors caused by XXXX XXXX and its XXXX XXXX XXXX, I was forced to purchase another ticket for the amount of {$1700.00} to return back to XXXX which I am disputing with Capital One and XXXX XXXX and I am requesting full reimbursement. What I am requesting from the Consumer Financial Protection Bureaus help are as follows : 1. That XXXX fully reimburse the amount of {$1700.00} which I was forced to pay to purchase the return ticket to XXXX ( XXXX ) because they did not honor my original Round Trip ticket. I should not have to pay twice for something that I had already paid for 2. I paid {$2000.00} plus {$220.00} x 2 for seats ( outbound/inbound seat ) for the original ticket. XXXX XXXX returned my {$220.00} for the cost of the inbound seat that I had purchased plus only a {$200.00} travel voucher as compensation for my {$1700.00} return ticket purchase A brief explanation of how I tried to resolve the dispute with the merchant. ( A ). I reached out to XXXX XXXX multiple times requesting the refund : 1 ) On XX/XX/XXXXXXXX I wrote to them and they responded by rejecting my request. I pleaded my case again on XX/XX/XXXX and they rejected my request for refund again. Please see XXXX for XXXX XXXX rejection response. 2 ) I reached out to both XXXX XXXX and their partner in XXXX, XXXX XXXX and below are excerpts from their responses : XX/XX/XXXX Response from XXXX XXXX : As I've checked your record, you were able to use your ticket with us and I am unable to locate any open coupons that can be refunded. Your return flight 's ticket control was under XXXX XXXX XXXX XXXX ; therefore, you will need to contact them again to ask for any possible refund. XXXX. Customer Care - Case ID : XXXX XX/XX/XXXX Response from XXXX XXXX I have checked your reservation and can confirm that your flight was originally booked through XXXX XXXX. Please be advised that XXXX XXXX acts as the service provider only. As the transaction has occurred between you and the XXXX XXXX, we don't have visibility on the details of the transaction. Your travel agent has full responsibility to act on our behalf in relation to your booking and has all the necessary information to help you further. In line with this, it is best for you to contact them directly for a refund request. Please note that you may also advise your booking agent to call our Industry Support Team for further assistance. XXXX | XXXX XXXX XXXX XXXX XXXX XXXX I disputed these transactions also with the credit card company Capital One and they responded back to say that the Merchant XXXX XXXX rejected my disputed claims and I had the option to either resubmit my claim and respond to the request for additional information or accept XXXX decision. I chose to respond back and shown on Addendum 12 are the details of the results of my disputed claim and my response back to Capital One Background details : I was forced to purchase for the return flight to XXXX ( XXXX ), confirmation # XXXX, because XXXX XXXX would not honor my original ticket of XXXX XXXX due to errors created by XXXX XXXX and its partner XXXX XXXX when they rerouted my itinerary from ( XXXX XXXX XXXX to XXXX to XXXX to XXXX ) to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX ). After my first letter to XXXX XXXX requesting my refund I was offered a refund of {$220.00} ( in-bound ) for the seat I had already paid for and also only a {$200.00} travel voucher for my {$1700.00} return purchase. I have chronicled in details below the timeline and events that had happened since the time I embarked to travel to XXXX on XX/XX/XXXX. CHRONICLE OF EVENTS XX/XX/XXXXXXXX I purchased a Round Trip ticket* from XXXX XXXX the XXXX XXXX the XXXX XXXX XXXX XXXX for {$2000.00} Departing XX/XX/XXXX and Returning XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My flight itinerary was as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received an email advising me that my itinerary had changed and I was to fly through XXXX XXXX of through XXXX XXXX Since XXXX where I started my journey did not have a XXXX XXXX counter, all my travel and boarding pass was handled by XXXX XXXX partner XXXX XXXX. At the airport I was informed by the XXXX XXXX ticketing agent that I have to fly to XXXX instead of XXXX. I learnt that it was due to high winds in XXXX. I was able to find an article forwarded to be about the flight disruptions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My new itinerary that I received in the email regarding my flight changes were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the time I received the email I did not notice that on the new itinerary there was NO FLIGHT listed for XXXX for my return as it was on my original itinerary. The return flight started in XXXX instead of XXXX as it should have been. The XXXX XXXX agent in XXXX was having trouble printing my boarding passes for the new itinerary. She finally printed me a boarding pass from XXXX to XXXX and said I should receive the rest at the XXXXXXXX XXXX I boarded the XXXX XXXX flight from XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX arrival at the XXXX XXXX , I went to the XXXX XXXX XXXX and the XXXX agents printed the boarding passes but it showed NOT VALID FOR TRAVEL in bold letters on the boarding pass. I received emails from XXXX XXXX about my original XXXX flight departing from XXXX while I was at the XXXX XXXX. XXXX XXXX sent me to the XXXX XXXX counter for assistance to get a valid boarding pass and after going back and forth between the XXXX XXXX counter and the XXXX XXXX XXXX times, XXXX XXXX was unable to fix the issue in time for me to fly out in time on XXXX and the XXXX XXXX XXXX flight from XXXX had left without me. The XXXX XXXX agents left the XXXX counter and I was left with the XXXX XXXX agent to help resolve the issue. XXXX XXXX put me up overnight at an XXXX XXXX where I spent the rest of the afternoon and evening on the phone with both airlines. After many hours of trying different ways to fix the ticket, one of the XXXX agents said, ( I spoke with too many to remember their names ) she couldnt help me as the ticket was on XXXXXXXX XXXX XXXX and also discovered an error of the missing flight from XXXX. This error was also on the email I received from XXXX XXXX XXXX where there was a missing flight from XXXX XXXX wanted permission to take over the ticket to fix the error. I was very reluctant but the XXXX agent advised that it might be the best option as VA had already touched the ticket and the only way to fix it was to allow VA permission to take over the ticket. As the XXXX agent also noticed that the itinerary was wrong with my return journey starting from XXXX XXXX instead of XXXX ( XXXX ), I had to make More calls, more holds, and XXXX hours later after my arrival into XXXX XXXX, my new confirmation number was finally issued by XXXX XXXX XXXX XXXX and I was to fly out from XXXX on XX/XX/XXXX. The confirmation number in XXXX XXXX system was XXXX and the corresponding XXXX XXXX confirmation number was XXXX XX/XX/XXXX Success! I flew out from XXXX to XXXX XXXX XXXX XX/XX/XXXX Credit card was paid in Full via auto pay with XXXX charges of {$2500.00} ( {$2000.00} plus {$450.00} for Economy Plus seat ) XX/XX/XXXX I called XXXX to confirm my seat for my departure on XX/XX/XXXX. XXXX, the XXXX agent was able to assign me my XXXX XXXX seat XXXX. XX/XX/XXXX I received an email from XXXX XXXX reminding me of my upcoming trip to XXXX on XX/XX/XXXX for the flight confirmation number XXXX XX/XX/XXXX XXXX XXXX XXXX Arrived at XXXX XXXX, Terminal C at XXXX XXXX by XXXX for my XXXX XXXX flight. The printout at the kiosk read, there is an issue with your ticket and I should see a XXXX XXXX representative. He returned after checking his computer and announced rather loudly that XXXX had canceled my ticket for non-payment by VA. He asked me to step aside and to call XXXX XXXX instead. He offered no assistance. After experiencing what I did in XXXX, I decided I was not going to stay in a XXXX York or New Jersey hotel as I wasnt sure how long I would need to stay to sort out this issue. Judging by what the rude man said at the XXXX counter it was going to be a long haul. My sister arranged for a ticket for me to return to Florida where I live with my sister and her husband to resolve this Canceled Ticket issue. XX/XX/XXXX & XXXX I spent most part of the day and evening on the phone with both XXXX and XXXX None were helpful. I was woken at XXXX XXXX on XX/XX/XXXX, by XXXX, a XXXX XXXXep to whom I spoke to earlier. She suggested for me to get a XXXX agent to speak directly to VA in XXXX, their main office in XXXX but it had to be immediate as they were closing in 2 hours. Not surprising, it was in vain. During this odd hour call it was finally suggested to me by a XXXX agent that I should buy a ticket back to XXXX and ask for a refund later on XXXX or XXXX. I appreciated her honesty as she could see I was not getting anywhere. I think she felt sorry for me. At XXXX XXXX the same morning, I booked a One Way ticket* for XX/XX/XXXX and spent another {$1700.00}, despite having already purchased a Round Trip ticket with XXXX XXXX XXXX XX/XX/XXXX XXXX from XXXX XXXX As I have checked your record, you were able to use your ticket with us and I am unable to locate any open coupons that can be refunded. Your return flight 's ticket control was under XXXX XXXX XXXX XXXX ; therefore, you will need to contact them again to ask for any possible refund. XXXX XXXX XXXX Case ID : XXXX XX/XX/XXXX Response from XXXX XXXX I have checked your reservation and can confirm that your flight was originally booked through XXXX XXXX. Please be advised that XXXX XXXX acts as the service provider only. As the transaction has occurred between you and the XXXX XXXX, we don't have visibility on the details of the transaction. Your travel agent has full responsibility to act on our behalf in relation to your booking and has all the necessary information to help you further. In line with this, it is best for you to contact them directly for a refund request Please note that you may also advise your booking agent to call our Industry Support Team for further assistance. XXXX | XXXX XXXX Guest Contact Centre I had previously sent a letter to XXXX XXXX requesting a refund of {$1700.00} for the ticket I had to purchase to return to XXXX because XXXX XXXX refused to HONOR my original ticketed return flight back to XXXX on XX/XX/XXXX XXXX responded by refunding me back {$220.00} for cost of the seats I had purchased on my original flights plus {$200.00} instead of the {$1700.00} that I was forced to spend on the return ticket.
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I reported fraud on my account on XX/XX/2023. There were numerous charges for hundreds of dollars that I did not make. I immediately reported the transactions as fraudulent when I received an email notification about other charges that were declined. The fraud was reported and temporary credits were given but my available credit was not updated. I contacted Capitol One and they advised that the temporary credit was put on hold until the investigation is completed which could take XXXX days. Providing temporary credits but putting them on hold seems illegal. Why post credits to the account if they are not able to be utilized. I am unable to pay my bills due to fraud on the account and the credits being on hold.
Company Response:
State: TX
Zip: 78230
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made a booking through capital one travel to stay at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX The booking was made at XXXX, as I was driving from Indiana to Texas and needed a place to rest for the night. I was not planning on getting to the hotel before XXXX, but figured I'll make a booking in advance. At no point during the reservation process - including the " policies '' that are detailed in the booking page - was I told I had to get to the hotel before XXXX ( otherwise, for obvious reasons, I wouldn't have made the booking ). When I got to the hotel, I was told I was marked as a " no show '' and they can not give me my room, but I can book a new one ( and pay for it as a new reservation ). I was trying to get capital one to resolve it, or refund me. They said it is my problem that I did not call the hotel to tell them I am arriving after XXXX, and that in the email they sent me after I booked ( a non-refundable booking ) it stated I had to be there before XXXX. Not only did I not open the email until I got to the hotel ( why would I? The web page said my booking was confirmed ) - but even if I had opened it - I was still not going to make it before XXXX, and couldn't cancel the reservation as it is non-refundable. The hotel refused to accommodate me, Capital one say they won't refund me. I think it is wrong on their behalf to not state at the time of booking ( before I confirm & pay ) that I must be at the hotel before XXXX, or call the hotel if I don't. When I called capital one they said I deserve nothing. This seems like bad faith behavior.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a dispute with capital one for XXXX XXXX. I was given a provisional credit. They cancelled my card and sent me a new one. I thought my XXXX XXXX was secure so I linked the new card to it. It was not secure and the scammer transferred money over from my linked debit card. XXXX XXXX denied the second dispute. Today they found me in favor of my first disputes but the second dispute is denied still. How can they approve XXXX of the disputes in my favor but deny XXXX of the disputes when they were the same exact thing related to the same exact issue.
Company Response:
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A