Date Received: 2023-12-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I was offered to open a credit card from Capital One and after almost 11 months my account was closed on XX/XX/XXXX and was not explanation why went I call the bank but instead I was offered to re-applied for a new card. On XX/XX/XXXX I decided to applied for a Capital credit card ( I was receiving many offers to applied for a credit ) and 15 days later on XX/XX/XXXX my account was closed and this time went I call the bank to ask for an explanation why they close the account again after I talk to them before I applied again and the representative confirm that was no problem that they can see and restrict me from open an account. At the end they closed and the explanation was the underwriter and internal investigation find that i was not allow to have an account open with them I ask what was the problem so I can resolved it in my end and they denied to inform me about or give me more info. So I call all the credit report agencies and consumes report agencies doing my own investigation and I could not find anything that could affect me from getting a credit card or any type of loan in fact I had credit cards, bank accounts and car loans opens with not problem I call all of them to see if they see any wrong or bad information that can be affecting me about this matter but everything was ok. Also my wife add me to her Capital one account trying to see that may was something else and Capital one canceled my card and threaten her saying that they will close her account if she add me again we even ask if all this issue with me not allowing to have a Capital one credit card account open was because the Bankruptcy that was Discharge on XX/XX/XXXX but was XXXX but 's XXXX was that my wife was on that Bankruptcy with me and she has an account open until today 's day and XXXX is that the bank denied that was the reason.. Since that day I been receiving offers at all the time trough the mail and the email to apply and I don't understand why I still receiving this offers if They don't want me with them with out an explanation why they still sending me offers. On XX/XX/XXXX I applied again thinking that everything was resolved or over but not. I went to Capital One Branch to find out if was anything that can keep me out from open an account and they did not find any problems from me to open I also call the credit card department to find the same think if there was any problem or restrictions that will not allow me to open an account and they said that everything was ok so I got my account open but on XX/XX/XXXX my account was closed with again with the explanation of that " Capital One has observed activity on a pass or present Capital One account that is not consistent with anticipated account activity based on Capital One 's account opening and ongoing due diligence. I ask for more explanation but I was denied. I ask them that this may be an error may be due to some one else with the same name or someone else open an account on my name with out me knowing if they can give me a little be more info so I can take steps to resolve any issues that I may have but as per them I do not have one.
Company Response:
State: FL
Zip: 33830
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: You are in Direct Violation of the Fair Credit Reporting Act - Capital One has violated several of my rights on two accounts 15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I've had my CapitalOne XXXX card for a while now, I've requested my billing statement with voucher as well as the proper mailing address to send the attached statement payment voucher to and have not heard back, my card was also blocked recently following my request to increase the credit limit to {$50000.00} which was not honored. additional context and federal case law : I initiated the above consumer credit transaction with my SSN also referenced by congress as a credit card pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . Further more, pursuant 15 USC 1691 ( a ) Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. I have attached links to congressional law for reference. 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
Company Response:
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have applied for a credit card on the app of Capital one. I applied for XXXX card which has no Annual Fee and when I received the card which is XXXX XXXX card that has Annual fee of {$39.00}. When I called capital one customer service and talked with few agents they said they didn't approve me for the XXXX so they approve for something else that I never applied for and there was no disclosure about the new card before they approve this and sent it to me which came with letter and has nothing about Annual fee. They said they sent me a letter which I never got a letter and asked me if they should send it now! I don't think this is right that they can give me whatever card they want without a disclosure of fees and what I didn't applied for.
Company Response:
State: ID
Zip: 83815
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: Today is XX/XX/2023 and over this past week, I sent an {$8000.00} wire to my daughter on XX/XX/2023 from XXXX XXXX XXXX XXXX to her bank which is Capital One. Two digits were incorrect in the account number and went into another account. We were in contact by phone with both banks before, on the day and after the money was transferred. Capital One found her money before it was deposited, but still didn't put a hold on the funds even though the name did not match the account number and their own customer called and XXXX XXXX made TWO attempts to resolve it. First, XXXX reached out via the back office and asked for a simple edit on the account numbers, but Capital One said 'no '. Then, XXXX XXXX sent a request for the return of the funds and Capital One said " The customer doesn't want to return the money. '' For such a large deposit, surely this should have been flagged and fixed?
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
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 rented a car from XXXX XXXXXXXX XXXX XXXX They charge me XXXX dollar deposit. They did not give back my deposit. I made several calls to XXXX and spoke to XXXX ( XXXX ) XXXX, who filed a dispute and said a manager would call me back. I never received the call. I called back and could not speak to a XXXX. After not getting anywhere I filed a claim with Capital one. they did not call me or get back to me. I have documentation that clearly shows I paid the deposit. no one called me for the proof. I did not get anywhere with them when XXXX has protections for this. I will attach the receipt which clearly shows the deposit and charge.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
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 charged by a company called XXXX XXXX XXXX XXXX {$1300.00} for an item that was only XXXX XXXX While traveling in XXXX. I disputed this with Capital one three times and the charge was reversed each time. I have asked to see what proof the company XXXX XXXX XXXX has provided but have not been shown any yet the charge keeps getting reversed with a statement saying they provided confirmation.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
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: The transactions in question took place at XXXX XXXXXXXX XXXX XXXX, a merchant overseas that I visited in person. Upon attempting to pay with my capital one Venture card ending, I encountered a discrepancy. Although the transaction received approval on my cell phone, the merchant 's machine declined it. Despite informing the merchant and Capital One about the issue, the situation remains unresolved. I have attached evidence of my conversation with the merchant via XXXX, confirming that I resorted to paying in US dollars cash due to the card transaction issues. Subsequently, the merchant requested my passport for verification. However, it has now been a month, and I find myself charged three times for the same transaction, despite settling the payment in cash. I have diligently communicated with Capital One, but the problem persists. I understand the importance of timely bill payments, and I assure you that I am not seeking a free meal. This matter, however, is not a legitimate outstanding bill but rather an erroneous charge that needs immediate resolution. Having three transactions of the same amount from the same merchant on the same day should raise concerns and prompt a resolution. I kindly request your urgent attention to this matter and a prompt resolution to rectify the unjust charges. Thank you for your prompt assistance in resolving this issue.
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: THIS ACCOUNT WAS OPEN FRAUDULENTLY AND CREDITOR IS REFUSING TO REMOVE ACCOUNT FROM MY REPORT EVEN WITH ALL SUPPORTING DOCUMENTATION CLEARING ME. THEY CONTINUE TO SEND TEXT MESSAGES, INVOICES AND CALL ME IN REGARD TO THIS FRAUDULENT ACCOUNT. THEY ONLY NOW HAVE MY CURRENT AND ACCURATE INFORMATION DUE TO ME HAVING TWO ACCOUNTS THAT ARE MINE AND AUTHORIZED BY ME.
Company Response:
State: MD
Zip: 21204
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'd like to opt out of this account reporting on my credit profile under the Graham Leach Bliley Act for Regulation P of Privacy of Consumer Financial Information Act ; 12 CFR Part 101. Please provide me with a reasonable opt out form that can be submitted electronically with the original cardholder agreement that lists the disclosures giving me a right to opt out. If a form or cardholder agreement can not be provided, I would like to use this complaint as a request to opt out of this account from reporting to any non-affiliated third parties including any credit reporting agencies. Attached is a copy of the statement of the account in question, along with a copy of my credit report.
Company Response:
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A