Date Received: 2023-11-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Information belongs to my twin brother I have disputed the accounts multiple times and just keep get XXXX XXXX
Company Response:
State: LA
Zip: 70663
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX, I visited the Capital One branch in XXXX VA. I am a longtime Capital one account holder. My father XXXX XXXX XXXX a few weeks ago, and I just received the life insurance policy check from XXXX. I went into the branch and spoke with a teller who deposited the life insurance check into my checking account ending XXXX, and was told half of the funds would be available tomorrow, and the other half available in a week. I just received an email that the entire amount of the life insurance policy check deposit is on hold until XX/XX/XXXX with no reason being given. I called in to Capital One customer service and they were not willing to give me any information on why my check deposit is being held for two full months. My dad XXXX. I need his life insurance money to help pay for his funeral. I even went to the trouble of depositing the check via a teller vs. ATM to ensure that there werent issues, and the teller assured me everything would be fine. I now can not access the funds from the check deposit for two full months for no reason.
Company Response:
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX of XXXX, I canceled my card due to a fraudulent charge and while waiting for the replacement card I saw a pending transaction from XXXX car rental for {$6400.00}. I immediately called CapitalOne Quicksilver credit card and said that these are not my charges and that I never received the replacement card. The credit card rep told me to wait for the charges to be posted on the account and then, call back since they could not do anything at the moment. She also canceled the replacement card. On XX/XX/XXXX a charge from XXXX car rental was posted on my CapitalOne Quicksilver credit card for the amount of {$6400.00} and I disputed the charge with my credit card, since I never got this card and never rented a car with XXXX. However, the credit card denied my dispute and posted the {$6400.00} charge back to my account, saying that their investigation showed that this was my charge. My request to share the information or documents that support their claim was refused. I called XXXX car rental and asked them to share with me the car rental contract that was signed under my name and a receipt for service rendered, but they refused to provide any documentation to me as well. I filed a police report for credit card theft and identity theft, since someone had to use my ID to rent a car under my name. The police report was filed on XX/XX/XXXX. On XX/XX/XXXX another charge came through from XXXX car rental on the same credit card for {$92.00}. I disputed it with my credit card, but the credit card again denied my dispute and charged this amount to me too. Current status : A police officer is working on my case. He requested a subpoena to have XXXX provide all documentation they have in regard to these XXXX charges, but it can take more than a year to get the subpoena, and the charges are due to be paid already.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/19, I received an email from Capital One asking me to verify my account for a Quicksilver Credit Card that I never submitted. I checked XXXX and the hard credit inquiry had shown up on my account as well. I called Capital One, and they told me the Quicksilver card application was marked as fraud. I also called XXXX and told them to remove the hard inquiry.
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to file a complaint and request assistance with the removal of an inaccurate account from my credit report. The account in question is being reported by XXXX XXXX and I have attached supporting documentation from the creditor to substantiate my claim. I have taken the necessary steps to address this issue with the creditor directly, but they have failed to correct the inaccurate reporting on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), I am seeking your intervention to rectify this matter and ensure the accuracy of my credit report.
Company Response:
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The company arbitrarily canceled my card. They first claimed there was fraud, but when I verified that it was not a fraudulent charge, but was a legitimate recurring monthly charge. They said they had to cancel the card anyway, which will cost me most of my day going through the 40 different companies where I have automatic payment set up. I asked them if they would cover my time, since it was completely unnecessary they said they were unable to do that.
Company Response:
State: WA
Zip: 98001
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Send large check for payment. After 6 days, I became concerned because the payment had not posted. I stopped payment on the check out of concern and called Cap One to let them know my concern. Cap one acknowledged receipt of my original check but said it not been processed. I three way conferenced with my bank XXXX XXXX and Cap One. I ask them to go ahead and process my payment to avoid any late fees. They basically said and asked me to resend a 2nd check which would make me past due. This caused unwarranted late fees and I fear a hit on my credit rating. In a nutshell they were so hateful and totaling unwilling to just work with me. I am XXXX XXXX XXXX and battling XXXX XXXX. This has caused so much unnecessary stress. I mentioned that I would potentially file a complaint with the CFPB and they essentially just laughed in my face.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital one XXXX XXXXXXXX has failed to show proof of this account to be mines. Under 15 US 1681b I give Capital One the right disclose any public information to credit Bureaus. This account is also a violation of 15 Usc 1692e false and misrepresentation of reporting to XXXX and XXXX. For this account has been damaging my credit worthiness
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I recently received a bill for XXXX XXXX dollars from capital one. The cost of renewing membership with XXXX XXXX. I never applied for a capital one credit card nor did I activate a card. When I joined XXXX XXXX I agreed to the automatic renewal.I received a XXXX XXXX credit card which I activated. XXXX change to capital one. I never heard from capital one.i assume that was the end. No further action required on my part.I was not going to renew anyway. I dont believe capital one should have accepted a charge on a card that I never received or activated. Talking with capital one staff lets say they just wouldnt listen. They seem to think that XXXX has the authority to open a credit card account on my behalf. That wrong! Capital one also had access to the business that I had conducted with XXXX XXXX. I dont think that should happen either. This account should vanish with any effect to my credit score
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XXXX of last year, while I was working in California, my rental car was broken into and my backpack was stolen ; it contained my passport, checkbook, and other personal items. ( Police Report available ) I immediately contacted my bank to close this compromised checking account, but they refused because all postings had not cleared. They said I had to wait until they cleared, which I did and finally, the compromised account was closed on XX/XX/2023 and opened a new checking account. [ Capital One has a design flaw in its online banking. They list all your accounts, including the closed ones, all together, making It look like all the listed bank accounts are working and active, which leads to constant confusion for the account holder. On XX/XX/XXXX, without my knowledge or consent, Capital One reopened the account due to a posting. I was told I had to pay it for the account to close. I paid the charge. On XX/XX/XXXX, another posting hit the account for {$14.00}, leaving the account with a negative balance of {$14.00}. This time, I refused to pay the negative charge ; it was insulting to be bullied into paying a charge that should have been rejected or applied to my new active account. On XX/XX/2023, XXXX XXXX sent me a letter informing me that they were exercising their right to debit my savings account to cover this outstanding charge of {$14.00}. This time, they left the once-closed account open. Then, a refund was issued to me and posted to that checking account, which now showed a working, accessible balance. Once again, I asked that the account be closed and withdrew all the money. I was told the account was closed. This caused me much confusion ; I inadvertently sent payments against the wrong account, thinking I was using the one good checking account ; in my mind, I thought, " Surely, a closed account will not allow payments to be posted against it. '' I thought it was my error in not making deposits in time to cover these payments. I even had an auto-pay for CAPITAL ONE 's CREDIT CARD from this closed account. To this day, the wrong account carries a balance of XXXX cents. Capital Ones refusal to close my account when I had first requested it left me financially vulnerable, it also affected my credit and cost me hundreds of dollars in late fees and returned items fees.
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A