Date Received: 2023-11-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My card payment was due on XX/XX/XXXX. I paid in full on the XXXX. On the XXXX, I was charged {$51.00} plus change in interest despite my balance being paid in full on time. I called to have it removed and they tried to say it was residual interest. That is not correct. I already paid interest for last months balance so should not owe more now that the card is paid off.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I believe that Capital One has threatened me for complaining to multiple agencies and other entities about a closeout cashier 's check they sent me that bounced twice. I filed a complaint previously about my closeout check from Capital One bouncing. In response, I believe that the president of Capital One, XXXX XXXX through his representative has threatened me. I received a message from someone in his office lying and telling me that someone from their security department had been trying to reach me. This was not true and Im not sure why the Capital One presidents office doesnt know that phone records can be easily accessed. No one had called me prior to that voicemail message. Capital One has a history of harming and violating the rights of minorities. I believe the lie she told in her voicemail was an implicit threat against me. Why would security need to call me? She was calling from the presidents office and she knew that no one had called me. She left that message because I complained to multiple agencies and have started calling the media. I firmly believe that was her attempt to threaten and intimidate me and it is unacceptable. Ive included content from the message below and have only removed names. The check represents several Social Security deposits that I received because I am XXXX. Not only did the cashiers check from Capital One bounce, I was charged two return check fees for almost {$50.00}. When I called Capital One, the representative was psychologically abusive and tried to make me believe that it was not their fault that their cashiers check had bounced. I was told that I needed to take it to another financial institution because it was a cashiers check and there should have been no problem. None of that was true. I should have received my funds in XX/XX/2023 only to finally receive a bad check from them in XX/XX/2023. This has devastated me financially and harmed me in myriad other ways affecting my health. " I left messages for -- -- -, this is -- -- - calling from Capital one 's Office of the President. I was reaching out today about a complaint I received if you could contact myself back or the Capital One Security team. We previously left you a voicemail earlier today. They do have a little more availability than myself, but my number is XXXX. If you do want to reach out my extensions XXXX. I'm generally available from XXXXXXXX XXXX. To XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you. Have a great day. '' Again, lies. That was the only call that I received at all and I got a voicemail when I called back, but I don't trust them at all. This is a large bank and their XXXX 's check bounced twice and I've just gotten abuse and lies.
Company Response:
State: WY
Zip: 82801
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Capital One Credit Card I applied for credit and was denied. I was told I could only obtain a secured credit card which I had to first deposit money onto. I was able to spend what I put on the card only. After ordering a replacement card somehow they are now saying it was credit instead of the secured card that I deposit money on. I asked for copies of transactions and I asked for a statement of the credit that was supposedly given to me. They provided the copy of transactions but not the initial credit agreement they say I was given. This was my first ever secure credit agreement. I was never given credit. I was originally denied. How could I obtain credit out of nowhere?
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Seven ( 7 ) years ago ( XXXX ), I purchased a monthly subscription to a cloud-based software program, XXXX XXXX. I used a CapitalOne credit card ( ending XXXX ). The creator of the software program abandoned his project shortly after. The Capital One credit card expired on XX/XX/XXXX. The creator of the software ( XXXX XXXX, XXXX ) apparently resurrected the project and used old and expired data to send invoices to 7-year-old customers ... during the night, no less. When I opened my email on XX/XX/XXXX, I discovered an invoice and charge for {$110.00} to my current CapitalOne credit card. Despite the credit card being closed four years ago, Capital One linked this business 's current activity/charge to my CURRENT ACTIVE CREDIT CARD! Capital One 's policy for allowing outdated activities seems to expose consumers to a substantial RISK of fraud. Banks should be subject to some form of statute of limitations.
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My account, ending with XXXX on the Quicksilver card, had a 0 % promotional interest rate until XX/XX/. After this promotional period ended, normal interest charges would be applied to my account. My account 's cycle ends on the XXXX of each month, with payments due on the XXXX of the following month. To avoid incurring any interest or late charges, I diligently paid all recurring bills totaling {$3600.00}. I understood that since the XXXX falls after the cycle ending date, it shouldnt be an issue if I paid by the payment date, as confirmed with a representative previously. However, despite this, I received an unexpected interest charge of {$74.00}. Upon speaking with a representative and a senior advisor, I was informed that I should have paid the full amount by XX/XX/, which was my payment date for XXXX, to avoid incurring interest. Unfortunately, this information was not clearly communicated on your card app or website. It was only stated that payment should be made by the XXXX, without specifying the repercussions of not paying by the XXXX. While I understand the need to adhere to the agreed-upon terms, I am puzzled by the unexpected interest charges that were not explicitly outlined in my account details. Notably, I have consistently made all payments and never missed any deadlines. Therefore, I am dismayed by these charges. I also made all recurring payments on XX/XX/XXXX before XXXX XXXX EST to prevent any further interest accrual, considering that XX/XX/XXXX falls after the XXXX cycle ending date, which is the XXXX of each month. Moreover, even if I have to pay the interest, what I am struggling to understand is that I'm required to pay the full 30-day amount of interest. Considering my promotional ending date was the XXXX and between the payment date of the XXXX, there were only three weeks where charges were incurred, not the entire 30-day period. Therefore, I kindly request a thorough investigation into this matter.
Company Response:
State: TN
Zip: 37716
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I am making a formal complaint on capitol one bank for increasing my Apr on my all credit cards every couple of months without informing me. when I contacted customer service I was told that the rates are changed according to the XXXX XXXXXXXX XXXX XXXX XXXX. I would like to open an investigation and please justify this matter accordingly.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX Mortgage XX/XX/2022, XX/XX/2022, XX/XX/2022 never applied for mortgage with company
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital one credit card and XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC1681 section 604a section 2 ) also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666b a creditor may. It treat a payment on a credit card account under an open end consumer credit plan as late for any payment.
Company Response:
State: KS
Zip: 66212
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I spoke I a representative from Kohls Charge via phone on XX/XX/2022. During this call, I informed the representative that I was experiencing a financial hardship. I explained that I wanted to bring my account current, with lower monthly payments. The agent explained that I could benefit from a financial hardship payment plan, that would allow me to pay $ XXXX. I asked the agent if my account would be closed after enrolling in the program. The agent advised me that my account would NOT be closed. I then agreed to enroll in the program. After enrolling, I received a letter in the mail a few weeks later, saying that my account has been closed due to my enrollment in the hardship program. Since then, I have been asking Kohls to listen to that call, so that they can hear the agent telling me that my account would not be closed. Kohls will not listen to the call. The charge off of my account caused my credit score to drop significantly. I would not have enrolled in the program had I known my account would be closed. This is why I specifically asked if my account would be closed upon enrollment in the program. This is not fair credit reporting.
Company Response:
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 14 HARD INQURIES ON MY CREDIT REPORT THATS STOPPING ME FROM PURCHASING A HOME. Iam A VICTIM OF FRAUD I NEVER AUTHORIZED THE CREDIT CARD COMPANY TO SELL MY PERSONAL INFORMATION WITHOUT MY CONSENT. I WOULD LIKE ALL OF THE HARD INQURIES TO BE REMOVED OF MY CREDIT REPORT IMMEDIATELY.
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A