Date Received: 2023-11-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Please read attached. Capital One just charged again more fees and interest and a fake payment and payment adjustment to get more interest and fees is FRAUDULENT CREDIT CARD TAKE OVER. Both Capital One cards # XXXX & # XXXX CARDS ARE CLOSED XX/XX/2023 because Capital One committed credit card FRAUD. Capital One is to remove all negative entries on all my credit reports. NOT FCRA.
Company Response:
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I've asked Capital One to stop sending me credit card offers. I already filed a complaint against them last year and I am again receiving offers. I want them to stop sending me credit card offers. Capital One sent me a credit card offer for their Quicksilver card in XX/XX/XXXX XXXX I don't want anyone intercepting my mail and applying for a credit card. I also have to spend MY time opening their mail and shredding my personal information. If I have to do this every week for multiple companies, it's a waste of my time.
Company Response:
State: NJ
Zip: 07920
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Capital one keeps calling me about the money I owe
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also not reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts. Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation. While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report. Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts. I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated. Thank you for your immediate attention to this request. I anticipate your prompt response. Sincerely, XXXX XXXX
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I made a payment of {$3400.00} to my credit card which lead to overpayment of {$3200.00} before traveling out, when I returned back from my travel I then found out that my card has been restricted for whatever reason which I called capital one for them to remove or resolve the restriction and they never did after 2 weeks of patiently waiting I then wrote a letter to them asking them to close my capital credit card and reimburse me back my remaining funds as a check. After some days of writing to them I noticed that on XX/XX/2023 my remaining credit which was left was taken from my credit and when I called they said that I should wait for my check which will take XXXX to arrive, and I have waited and called severally but still they kept sending my call to XXXX support who gave me no reasonable explanation regarding on what the charge is for. Despite my efforts to matter directly with capital one, the response has been unsatisfactory, leading me to seek redress through this legal system. I believe this this wrongful depletion of funds constitute a violation of FCRA section 611 and has caused significant financial harm.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been going round and round with this firm and they refuse to acknowledge that XXXX XXXX is the same as XXXX XXXX as I already provided them information about my name and gender change and in fact have credit cards in my new name as well as my old name. Captial One has refused to acknowledge and has engaged in discrimination against a protected class of persons in California under the Cal Civil Rights provision thus I am proceeding with a civil unlimited court action against Capital one for damages, against a protected person. I have filed several cases here but Capital One has refused to comply. Thus, I want my capital one checking account # XXXX - XXXX I have had for something like 10 years with Capital One. I have not had access to this account online as Capital One has refused me access even after repeated complaints here thus I want this account closed and ALL my monies in said account refunded to me forthwith to my address on file : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX AS i AM going to XXXX XXXX know which tort actions, I will be taking at XXXX XXXX XXXX against Capital One for fraudulent business practices against a protected class of citizens in California. If you need my present address it is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX But as I am graduating from XXXX XXXX at XXXX, I will be returning to California to prosecute this case. In the meantime, I want my money Capital One is withholding illegally in my checking account I don't have access too anymore online, thus I have damages to seek when Capital One is refusing to pay me back forthwith. Attached is my legal name/change in Ca I already provided them with and ID 's numerous times before. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I got a hold of my consumer credit report from your bureau and I got ta say, I'm pretty disappointed with what I saw. There are some errors on there that are hurting my consumer report and I'm asking you to correct them ASAP. Specifically, I'm disputing the following info : CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Please update this account to paying as agreed never late.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: -This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I applied to Capital One for a credit card and was essentially denied almost immediately I'm fully aware and of good standing and of competence to know my rights and my consumer rights state that and pursuant of certain acts by federal law I shouldn't be denied credit and the fact that my social security number was ran and it was a transaction completed somebody benefited and I have not benefited on top of that the inquiries that have happened and taking place have caused damages so right now I sent out a letter I sent out an affidavit hopefully we won't have to take this to arbitrary thank you
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Pending civil unlimited discrimination case against Capital one against a XXXX person, withholding ALL my credit card accounts and 360 checking account which is under a separate complaint herein. As XXXX XXXX aka XXXX XXXX is one and the same and has informed Capital One of this and provided documentation. Each and every call will be recorded as XXXX is a 2-party state thou I am presently in XXXX attending XXXX XXXX, thus a 1 party state, but I don't have to let you know and i record each contact to show the pattern of abuse by Capital one. Below are a list of my credit card accounts Capital One is illegal withholding as I have had them for years and they allege fraud which is a discrimination against a protected class of persons in XXXX leading to harm against my reputation as a XXXX XXXX and previous XXXX XXXX XXXX XXXX XXXX who is familure with credit card fraud. Thus, we suggest you tread carefully here, as we are filing a XXXX tort case for discrimination, IIED, negligence, etc. Under XXXX XXXX : Captial One debit Card : XXXX XXXX XXXX XXXX Capital One Savior Card XXXX line : XXXX XXXX XXXX XXXX XXXX line Capital One XXXX XXXX line : XXXX XXXX XXXX XXXX Under XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line Capital One Savior : XXXX XXXX XXXX XXXX XXXX line Called Capital one today at XXXX hours talked to XXXX this day, XX/XX/2023, refused to talk to me due to recorded line. count 2 negligence as Capital One can record but a victim can not? negligence on the part of Capital One. Again, for the forth or fith time, copy of my legal name change and ID provided.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A