Date Received: 2023-11-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My checking account with Capital One was closed without any notice to me at the end of XX/XX/. When I contacted them in early XX/XX/, I was told by a manager that my account was in violation of their terms. The manager would not explain to me what the violation ( s ) were. I am XXXX and had set up my XXXX check to be deposited directly into the account. The last such deposit was made into my account for XX/XX/XXXX XXXX Social Security XXXX XXXX. Since they closed my account, I have not had access to any of my money from my XXXX payments that had been deposited directly into the account. They are holding almost {$5000.00} from my XXXX deposits and haven't returned them to me. This has prevented me from being able to buy medically necessary medications and it prevented me from being able to pay rent resulting in ongoing financial devastation. Their employees have been beyond discourteous when speaking to me and very unhelpful. Ive been hung up on multiple times, had to listen to screaming in the background, lied to and sent a fraudulent check that bounced twice and for which I incurred multiple return check fees. Initially I was told that I would obtain my funds was when they mailed me a check 45 days from the date the account was closed. That never happened. As of todays date, I have been lied to multiple times by Capital One telling me that theyd mailed a check to me beginning in XX/XX/. This was not true. After my second complaint to your agency for the same matter, a Capital One representative had delivered to me a cashiers check via XXXX on XX/XX/XXXX. I deposited the check and it bounced twice and I have incurred two {$24.00} returned check fees as a result of their issuing me a bad check. I still have not received the monies that they are holding from multiple XXXX deposits. I have suffered extreme and repeated financial and psychological abuse from Capital One 's actions : refusing to return my funds to me, lying about checks being mailed, and gaslighting me by trying to tell me that they werent responsible for the check bouncing when they knew or should have known that they'd sent me a bad check. This is a FDIC regulated bank. All of these conversations have been recorded by Capital One. I believe that Capital One has violated State and Federal Laws by all of its actions towards me. Their actions have resulted in extreme undeserved harm for me and are a violation of my rights under law. I believe they feel they can get away with what they have done because I am a XXXX XXXX female and I believe they have acted in a discriminatory way towards me because of that. I am asking for assistance from your agency with this matter. IMPORTANT NOTE : I am a XXXX XXXX XXXX XXXX and it is very important that I am safe. I take measures to achieve that to the best of my ability. I ask that your organization not publish my full name and any of my contact information to the public and/or identifying information.
Company Response:
State: WY
Zip: 82801
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/XXXX Capital One interrupted and declined a modest retail online purchase due to " fraudulent activity flagged '' as the only explanation offered by Capital One at XXXX ( the only U.S. Ph # provided on card ). XX/XX/XXXX, I called Capital One and was told by call center rep that original card would be deactivated immediately ; that a new, replacement card would be issued and mailed to my residence. Capital One would not discuss nor offer any explanation concerning the supposed " fraudulent activity ''. On XX/XX/XXXX I determined Capital One deactivated my original card -- this was 3 days later than they had assured. The new, replacement card ( that was to have been mailed to my residence ) has NEVER been received. FYI, my mail is delivered to a steel, locked, numbered mailbox down the street and my mail delivery is enhanced by XXXX ' informed delivery service. Between XX/XX/XXXX and XX/XX/XXXX several calls to Capital One to check status of my card 's replacement were met with extremely rude responses that included : " ( We ) will not talk to you as you do not have a cell phone '' or " ... because you do not have a cell phone number ''. " ( We ) do not even have an address for you '' ( another false assertion ). I was additionally told " You can not /will not be able to speak to anyone else '' before being hung up on/disconnected several times. Capital One never once communicated ANYTHING IN WRITING WHATSOEVER to this credit account holder ( customer ), actions both unprofessional and unethical. I was told early on by call center rep that new card had gone out ( that was a lie ; not true ; no replacement card has ever been received ( MOST LIKELY CAUSED BY NO REPLACEMENT CARDS HAD EVER BEEN ISSUED OR SENT TO MY RESIDENCE. There was ONLY ONE CUSTOMER SERVICE TRUTH ever spoken when a call center rep advised me there " had never been any fraudulent activity '' on or related to my account. FYI, since accepting Capital One 's offered card in XXXX, I have maintained the Capital One credit card account : AS ALWAYS ; PAID IN FULL ( statement balance ) AND ON TIME EACH MONTH. Capital One owes me a very serious apology for their non-existent, dismal excuse for customer service, beginning with their contrived " fraudulent activity '' hype and extending through the numerous false statements made to me : of having deactivated the old card on XX/XX/XXXX when this was not handled until XX/XX/XXXX ; of assuring replacement card was sent ( when nothing of the kind had occurred ) ; when suggesting that I just needed to wait longer ( for what- pray tell? ). Capital One left their call center operators in charge of foisting abuse and disrepect upon their customers/account holders. A bad move, I'd say. On XX/XX/XXXX, I went into a basic, little Capital One bank location in XXXX, MD. There, customer service " ambassador '' XXXX made a phone call, then left the room ; returned and said my card would follow in aproximately 3 or 4 days ( another disrespectful and false statement ) as it is already 6 days later and there is NO REPLACEMENT CARD ( AGAIN ) AND NO ACCOUNTABILITY ( AGAIN ) at Capital One. It seems obvious to me that Capital One has directly caused and is responsible for ALL the above events ( including issuing and repeating false statements, making numerous false representations, hyping " fraudulent activity '' nonsense involving my account -- that had reportedly never occurred ; and failing to communicate ANYTHING WHATSOEVER IN WRITING TO THIS CUSTOMER for the nearly SIX WEEKS I HAVE BEEN AWAITING AN APOLOGY AND SOME LONG OVERDUE RESOLUTION. Seems your own organization 's poor handling and lack of oversight is the root cause of ALL your demonstrated business, practical and ethical failures. I AM WAITING SIX WEEKS FOR YOU TO CORRECT YOUR EVER ACCUMULATING MISTAKES ; TO APOLOGIZE AND TO COME FORWARD WITH A RESOLUTION WITHOUT ADDITIONAL DELAYS. Your customer service is horrifc. I am a credit account holder, a customer ( who you seem to know well enough who I am when mailing your statements each month. " Acting '' and responding in a professional manner would be appropriate for a change.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
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: My insurance company uses a third party vendor for roadside assistance. The vendor 's name is a XXXX. XXXX Mistakenly build my credit card at capital one. They sent me a letter saying they won't refund the account until I cancel my dispute with capital one. I forwarded the letter to capital one and they have received it. However capital one will not honor my request to continue the dispute with the vendor. They have arbitrarily closed my case even though I sent them the letter where the vendor says they charged my account in error Capital One 's refusal to take my complaint seriously in light of the evidence I have provided Is a clear-cut example of capital One 's failure to take this process seriously...
Company Response:
State: NY
Zip: 11050
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: When I discovered I had been a victim of identity fraud and someone used my personal information to fraudulently open credit accounts I obtained a copy of my credit reports. I discovered someone had fraudulently opened an account with Capital One Bank on XX/XX/2015. I immediately contacted Capital One by phone and letter. I also informed Capital One Bank someone had fraudulently tried to file a bankruptcy petition to hide the fraud. Capital One Bank said since the information used to open the account matched my information they said the account was mine and I needed to pay it. Capital One Bank refused to give me a copy of the fraudulent application.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I saw on my credit report that there was a huge drop in credit score, and investigated to find that some scammer opened 2 lines of credit and one line of personal loan under my name, using my social security and birth date. I contacted the bank that the two credit cards were filed under, capital one, and they were able to show that it was fraud for one of the cards, but not the capital one platinum card. I have provided ample evidence, including the email, phone number, and address of the believed perpetrator, and capital one keeps on saying that they do not see fraud in what I provided. I live in XXXX, CO, and the transactions all took place overseas, and in California, ( where I believe the scammer lives ). I even provided the scammers email, phone, and address, and was hoping for some sort of help but they keep on saying the case is closed and I am responsible. I have a online statement I had to break into the scammers capital one online accoutn ( he used a lot of my information so I was able to guess some security questions ) and saw that he changed all of the information for me to him so I would not catch him, my address is XXXX XXXX XXXX, XXXX, XXXX CO XXXX, and I even provided to capital one that the statement on the e capital one app doesnt even match mine but they didnt care. The address of the perpetrator I believe is XXXX XXXX XXXX, as shown in the pictures below. I never authorized any of those XXXX transactions, and I am a XXXX, who do not have sufficient funds to pay for someone elses charges. Please help me out, thank you. Case number is XXXX for reference with capital one
Company Response:
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
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 scammed on XX/XX/. Same date I contacted the seller and was met with hostility when I asked for a refund. I informed Captiol One about the scam and disputed the charge. Captiol one told me they will temporarily refund me the charge. XX/XX/XXXX, Captiol one temporarily refunded me the charge. XX/XX/XXXX Seller told Capitol one there are no refunds. Capitol one took back the credit they issued. XX/XX/XXXX I provided a very detailed letter explaining how I got scammed and how this proof is all over online to capitol one. Detailed letter is attached in the notes XX/XX/XXXX. I received news from Capitol one telling me I didnt have enough information therefore they wont credit my the account.
Company Response:
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Im wanting these inquiries deleted off of my credit report because I did not authorize any of these companys to run my credit it is fraud
Company Response:
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report with your bureau. I have identified specific issues that require your immediate attention : an inaccurate late payment entry that persists despite being successfully removed by another credit bureau. Inaccurate Late Payment : 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. I kindly ask that you investigate these discrepancies promptly and take the necessary steps to correct the inaccuracies on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and I trust that your bureau will uphold these standards.
Company Response:
State: NY
Zip: XXXXX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was ran by Capital One on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I did not authorize these inquiries. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.
Company Response:
State: LA
Zip: 705XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am filing this complaint to inform you of a recent resolution with my financial institution, Capital One, regarding an error in the reporting of my account information. After a thorough review, it has been determined that certain late payment markings on my Capital One account ( Account Number : XXXX ) were inaccurately reported due to an internal error by the bank. I kindly request your assistance in reflecting these corrections on my credit report. The removal of the late payment markings and the update to the status will ensure the accuracy of my credit information. I appreciate your prompt attention to this matter and look forward to an updated credit report reflecting these positive changes. CAPITAL ONE XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Company Response:
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A