Date Received: 2023-11-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: capital one went to a new system and since has been sending personal/private banking transactions to an non secure email account. they refuse to stop. even though they send it by https, that is only for the transmission through all of the nodes it must pass, it is not end to end. when that transmission is stored, it is stored in plain text free to the world of miss fits to hack. the email is not encrypted end to end so open to the world for data mining. no body needs to know i paid this or that or transferred this or that. i do not need that information since i already have it secure on the banks site and my account which only i have access unless the bank is hacked, harder to do than hack email. i went through the XXXX of virginia and the attorney general office of consumer affairs of XXXX and yet capital does not respond or thumbs the nose up at powers to be and has no concern for customer data. i never gave them permission to do this! correspondence to : capital one XXXX XXXX XXXX XXXX XXXX, VA XXXX too many phone calls and different phone numbers and countless agent
Company Response:
State: LA
Zip: 70510
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Notice to principal is notice to agent, In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voulentary. This is a private transtion and this a unfaverable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it metion that a natural person can be denied credit. As the original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used and I recceived no benifit for the use of my credit. A inquiry popped up on my consumer report which is a receipt of transaction meaning someone got paid off my credit and I reccived no benefit at all. In fact, damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me a right to extend credit. I, in good faith exercise my right and I, the natural person have been discriminated against in pursuant to 15 U.S.C. 1691. For the damages that have been done to my mental distress and financial as I take my consumer report and life seriously, I will take this to a federal level if my request to open the accounts in which adverse action has taken place. Im aware of my open end credit plan, my right to contract unlimited without being denied. I demand your company reinvestigate this matter and abide by federal law and open up the accounts in which Ive extended credit. The inquiries on my credit consumer report is a clear indication of a transaction, a transaction consist of exchange of currency, goods, and or services in which I reccived no benefits from. I was discriminated against and according to the FCRA and also by the description of the United States Codes listed above this is a violation of federal law. I spoke with a XXXX XXXX from the Capitol One fraud and dispute department Agent # XXXX on XX/XX/XXXX and she stated that Captiol One was unable to complete my request for reinvestigation and also that the company does'nt have any actions that could be taken further than the complaint that I sent and was unable to send any proof of correspondence to me concerning this matter Attorney in Fact for XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I was receiving unsolicited mail from Capital One, I don't want mail from them any offers.
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Multiple unauthorized purchases were made with my Kohls department card with out my authorization in the amount of {$840.00} with an available credit of only {$800.00} leaving the balance to - {$45.00}. My identity was stolen and my card used without my knowledge resulting in an unpaid balance reported to all three credit Bureaus. My credit score has been severely impacted as a result of this identity theft. XXXX points to be exact.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, I am currently in a small coastal town in XXXX and my US phone and XXXX don't work here. When I try to log in to my Cap One accts it says I need additional verification and offers only one option : call or text on my cell phone. Below it says if that is not an option press here. I press and get a cheery message saying No problem just call this number and we'll get you access to your accts. Well I can't call using either cell or XXXXXXXX XXXX so I download and pay for XXXX and call the number. So far since last week I've logged hours talking to a variety of people with a variety of titles and not one can offer me a way to access my accts to check transactions and pay my bill on time. They do all apologize however. In the past they would ask XXXX like... what was the name of your best friend in kindergarten or what is your sister 's dog 's name, etc. That is no longer an option they say. What option have you replaced it with ... ..well ...? Also I ask why do you offer the XXXX number ensuring me that that will solve the problem ... .well... I suggested that they look into XXXX XXXX XXXX XXXX and one person had heard of it but apparently it is not an option.
Company Response:
State: ID
Zip: 833XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am currently unable to transfer points to any transfer partners through capital one. I have noticed this issue around XXXX XXXX. I have about XXXX miles in the account that can not be transferred to transfer partners. This seems to be an issue with capital ones 2-factor verification. I can get into the account with XXXX authentication through text and I am even offered a call option or verification thought capital one. I can complete this, get a code, and plug it in. Once in my account on XXXX, I navigate to convert rewards. This opens up another verification page, prompting me to use a text code as my only option. When I click send code I am treated with a message that says, we are unable to verify this number, please use a different method which takes me back to the previous screen with only one method listed - text. I am also getting a pop-up that says this phone number is not a saved contact point. Some important details to note : I have been a capital one cardholder for about 5 years and have never had this issue before. My phone number and plan have stayed the same. I have called all week and no resolution other than 'we are working on it '. They assured me this was not an issue with my device but something across the board. No timeframe for resolution is given. This issue has been going on for almost an entire month. All of my information is the same and I have been left with the advice to " check back in 1-2months ''. I have been beyond frustrated with this issue as I have missed two award flight bookings because of it.
Company Response:
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm currently a victim of identity theft and this has impacted my life tremendously, I just want my life back so I can provide for my family.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT XXXX COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and XXXX bill ( bank statement if you don't have utility bill )
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have an automatic payment scheduled for the minimum due to avoid late fees but I prefer to pay my statement balance every month manually in the Capital One mobile app to avoid revolving interest charges. I select to pay on the due date ( XXXX ) and choose the remaining statement balance ( {$2300.00} ) option. Next there is a prompt, that asks if I want to keep the scheduled minimum payment ( {$44.00} ). I choose 'no ' because I have already covered the statement balance and wanted to avoid duplicate payments. The numbers in ( ) are from my most recent statement and I have included screenshots from the app for reference. The issue that I have is that my statement balance is {$2300.00} and I am not given that option in the payment menu and the remaining statement balance option that is given apparently deducts future scheduled payments including the autopayment I have scheduled. This is not disclosed and my understanding was that remaining statement balance was statement balance less payments/credits representing the payment required to avoid revolving interest. What is even more concerning is the subsequent prompt asking whether I want to keep the min due autopayment knowing it has been deducted from the remaining statement balance. And again it is not disclosed that this will cause the acount to revolve. This appears to be an intentionally deceptive and predatory practice and has caused my account revolve for months.
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Company is trying to cancel on a debt that has been a charge-off. This constitutes TAX FRAUD, and the matter will be reported to the IRS! I will be filling IRS Form 3949-A. Capital One have furnished this account as a charge off. Capital One is in violation of the Fair Credit Reporting Act 15 USC 1681.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A