Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXXXXXX Capital one bank made a hard inquiry onto my account. I was not clear and conspicuously informed of and extended time limit against the Fair Credit Reporting Act. On XX/XX/XXXX, I called them attempting to dispute the inquiry and be notified of any laws pertaining to the facts. Their response was " nothing you can do '', " it doesn't matter what the FCRA says '', " We do not have anyone to talk to competent of the facts to speak with '' and even hung up on once I asked how to access the recordings of the call, all very discouraging practices.
Company Response:
State: NY
Zip: 13820
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: remove from credit report or copies will be sent to attorney general
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Over a month, I have attempted several times to open a Capital One checking and savings account by filling out an online application, only to receive a splash page with an XXXX number to call because more information was required. Each time I called the number and was routed to the Customer Protection Resolution Team. I spoke to about 4 representatives ( 2 of whom had heavy accents and I could hardly understand their English ) and 2 supervisors. However, all their responses were consistent in stating that my request to open a checking account has been denied indefinitely because the only information their system provides is that Capital One has ended their banking relationship with me, but it does not indicate any other information as to why the account was closed, thus invoking their decision. Only one representative was able to confirm this action occurred back in 2007, but there is no specific date available in the system. Capital One also stated that I should have received correspondence in the mail regarding this action, but of course that was almost 15 years ago, and I do not remember or have those records on hand to prove anything. All the agents I spoke with admitted that the reason why they have limited information available regarding closed accounts is because they have since upgraded their systems and no longer have access to any records that far back in time. I then inquired about how my recent application could be reconsidered, since that was the case, or if there was a way to show that since 2007, I have not had any such actions taken against me with any other banking institutions. The agents and supervisors all gave the same blanket answer that nothing could be done to reverse or overturn Capital Ones decision, as it was permanent and indefinite. I have been in good standing with a Capital One credit card Ive had for many years, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my mother has a long-standing account with Capital One ( when they were XXXX XXXX ) and it would make banking easier for us as I often transfer and move money back and to her account. Therefore, it seemed like a logical decision for me to also open a checking account with Capital One. Im disappointed that they are so rigid and unforgiving in their decision given that whatever happened with my account was so long ago and they havent been able to prove or give a detailed explanation as to why. Im also disappointed that they do not offer any opportunities to remediate the issue either. Even bankruptcies fall off credit reports after 7 years! Im pretty sure that whatever happened to cause my account to be closed was not due to any fraudulent activities on my part. I may have had a financial hardship during that time, but the details are still fuzzy because its just been too long ago and so many things have changed in my life since then. I can understand being penalized for some time until I can prove to be worthy of banking with them again, but to have this red flag on my account with them forever is a stretch! Ive never had any issues opening checking or savings accounts before now.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I attempted to use my Capital One Venture Visa Card ending in XXXX and it was declined. I logged into my account and discovered that Capital One closed my account stating fraud and that the usage of my card was not in alignment with their card agreement. To provide context to this matter, my relationship with Capital One dates back to XX/XX/XXXXXXXX XXXX XXXX and the account in question was opened XX/XX/XXXX, so there is no upside for me to have simply thrown away my longest credit relationship which has helped me tremendously and has been profitable to the company as well in terms of interest paid to them. On XXXX XXXXXXXX, I reached out to Capital One and read the letter to them. I asked them to provide me with the specific transactions that they deemed were fraudulent, which caused them to close my account. They could not articulate nor provide to me any transaction that were of fraudulent nature. On page 5 of their credit card agreement, it states that they may close or suspend customer 's accounts ( Credit Cards ) at any time and for any reason permitted by law, even if you are not in default. They stated a reason, but their reason was unlawful, frivolous and fabricated as I have done no such thing related to fraud ever. They have assassinated my character and accused me of something that I'm not and accused me of something that I have never done. I work for a national bank and understand credit cards, disclosures, the right to cancel and close, etc., but this is a tactic to cover up the real reason why I have been retaliated and discriminated against. On XX/XX/XXXX, I received a letter informing me about an account review because my balance had been significantly lower than my credit limit of $ XXXX. The review could lower my credit limit but they gave me an option to opt out of review if I anticipated the spending activity to change and so I did just that. I opted out on XX/XX/XXXX and started using the card more for restaurant, travel and entertainment only. The confirmation stated that my credit limit of $ XXXX was not changed. On XX/XX/XXXX, unbeknownst to me, I received the frivolous fraud letter stating that that they closed my account. I've had this card for nearly a decade, and I've maxed the card out twice. During those times where I had balances, Capital One increased my credit limit because their algorithms would suggest that I would be someone who would continue using the card, which makes them more profitable. I would be considered a high-valued customer because they are generating revenue from me. I paid the balances off twice. I've asked for credit limit increases on a number of occasions, and they have declined me every time stating that my card usage was too low. They've essentially punished me for being a good steward and responsible card holder that pays his debts. I do strongly believe that I have been discriminated against by Capital One as I was a plaintiff in a recent class-action lawsuit against the company and was successful. I've attached all correspondence pertaining to my recent statements to show my spending habits/patterns along with the notices and frivolous fraud letter to have my account reinstated with my $ XXXX credit limit with prejudice.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital One is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. Capital One has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805
Company Response:
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
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 was an actual victim of credit card theft. The Amount owed is nearly XXXX dollars. I disputed with the credit card company but they refused to grant me the money back dispute the fact that Ive had to file a police report and even go to court and the guy even admitted to doing it.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute and request an immediate investigation into certain items on my credit report, which I believe are reported inaccurately. After reviewing my credit report, I have identified discrepancies that are causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into these matters and provide me with the results in a timely manner, as required by law. If any documentation or clarification is needed, please inform me promptly. The following items require your immediate attention : CAPITAL ONE XXXX. Failure to address and correct these inaccuracies within the stipulated timeframe will leave me with no choice but to pursue legal action to rectify the harm caused by these reporting errors.
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 autopayment was on my account I turned it on & I was unaware that when my mother made a payment for me prior capital one associate added her banking info to my account, the automatic payment tried to take it from her account and the account had been closed and the credit card company tried to take the payment a few more times. I thought it was coming from my new business bank account but my balance never changed. So I called on the XXXX XXXX after the payment was returned and I kept trying to make a payment and nothing worked so XX/XX/XXXX I called with my mother to make a payment with her card and we made a XXXX dollar payment and the person on the phone said they can't add her payment option for future use because they have to use a 3rd Party application to process the payment so the other person 's information is secure. The lady from capital one removed all of the old payment accounts and noticed my mother 's banking information was added to my account. We were unaware of this and I asked is everything OK because on the app it said my accounts were closed. She said everything was good. I attempted to use my card and it was declined. I got paid yesterday XX/XX/XXXX and attempted to make a payment today and I found out they closed my accounts. They transferred me to the fraud department and I explained the situation to the managers of the fraud department and they were extremely unforgiving and continued to tell me there were no ways to rectify the situation and that my accounts will remain closed and that I needed to pay them off. I was mocked and belittled like they were superior to me and didn't care to hear my explanations of what was going on. I've never missed a payment. I had XXXX return payment in XXXX and I fixed that immediately. From XX/XX/XXXX to today I've been working on fixing the payment issue I was having and when I called today they stated the person I made the XXXX dollar payment with over the phone did not remove the old payment accounts from my other card with them and they considered it fraud and continued to tell me they don't know who my mother is. The phone calls were recorded and my mother verified the authorization for the XXXX dollar payment I made the last time. They told me today I have no options but pay the cards off and the accounts will remain closed. They were harsh. They made an error by adding my mother 's card to the account and I was unaware that it was her card that the autopay was set up for. The returned payment was for XXXX dollars. My purpose today was to make that payment. Also XXXX of my secured cards was XXXX dollars and they are keeping that they said. I'm at a loss of words on what exactly to do other than file this complaint. Nobody deserves to be talked down to like they did to me as all I was trying to do was fix the problem and they told me they didn't see a problem. I need help please help me.
Company Response:
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Request for Investigation - XXXX XXXX Fraudulent Transaction Dear Capital One Bank Customer XXXX XXXX XXXX trust this letter finds you well. I am writing to formally register a complaint and request your immediate assistance in investigating a fraudulent transaction involving my Capital One account. The matter pertains to a deceptive entity operating under the name XXXX XXXX. On or about XX/XX/2022, my partner and I were enticed by an online video presentation delivered by XXXX, the purported owner of XXXX XXXX. This presentation emphatically touted the program as a risk-free investment opportunity. Subsequently, we were contacted via a webinar by XXXX XXXX XXXX, who introduced himself as a salesperson and official representative of the company. XXXX XXXX even claimed to have personally invested in XXXX XXXX 's campaigns, adding an extra layer of credibility to the venture. Our initial investment into XXXX XXXX amounted to {$16000.00} each, totaling {$32000.00}. This comprised a {$12000.00} fee for lifetime management and an additional {$4000.00} for the first month 's campaign investment, with the promise of substantial monthly returns. Over the subsequent XXXX months, we made further investments totaling {$48000.00} ( {$4000.00} each per month ). In aggregate, we have committed a substantial sum of {$80000.00} to this program. Crucially, XXXX XXXX had represented this program as entirely passive in nature, requiring only a monthly investment of {$4000.00} each. In return, the company assured us of monthly returns that would not only recoup our investment but also potentially yield profits of up to {$10000.00}. Regrettably, we have not witnessed returns exceeding a mere few XXXX dollars, and each month, we faithfully continued to invest an additional {$4000.00} each. To compound our financial burden, I was encouraged to apply for a {$16000.00} line of credit through XXXX, a recommendation made by XXXX XXXX itself. This line of credit was promptly approved, with the entire amount subsequently transferred to XXXX XXXX. The {$12000.00} was earmarked for the lifetime management fee, while the remaining {$4000.00} was designated for the initial advertising campaign investment. Enclosed, please find pertinent documentation confirming this transaction, which explicitly implicates the involvement of XXXX. In recent days, all communication from XXXX XXXX has abruptly ceased. Emails directed towards the company now bounce back without response. The once-promising program has now shrouded itself in darkness, and we have not received any compensation for our monthly campaign investments, let alone witnessed any returns on our substantial investment.
Company Response:
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Pottery Barn | Capitol One credit card has a due date for payments but will charge a late fee after XXXX EST on that date. The company only acknowledges when the payment posts from processing several days later yet the online account will immediately reflect the payment. Your actual payment date is not acknowledged unless you specifically ask the representative. This practice is structured to incur late fees from customers.
Company Response:
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A