Date Received: 2023-11-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I noticed that there were two unauthorized inquiries on my credit score. I was not aware of these inquiries until I tried to apply for a credit card today, was denied, and checked XXXX. The unauthorized inquiries were on XX/XX/XXXX. One was CAP ONE NA and the other was XXXX XXXX. I am not sure if this XXXX have affected my application for the credit card that I authorized a hard inquiry on XX/XX/XXXX ( XXXX Credit Card ).
Company Response:
State: CA
Zip: 934XX
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: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On XX/XX/2023, I lost my job thus my income. I used up my reserves to keep my bills current until I receive a new job yet all of my funds were depleted. I was worried about my two credit cards, XXXX and Capital One. When I spoke with XXXX, they put me on a payment plan that was 11 % of my regular payment which was {$17.00} for 6 months. So, when I contacted Capital One, on XX/XX/2023, I was expecting the same results or even better since they are a larger company. The Capital One representative XXXX, once he heard my situation, asked me how much could I pay until I get a job, ( which I was expecting within a few months maximum ), I stated {$20.00} which was approximately 11 % of my regular payment. I then explained what XXXX did for me, expecting this to be the norm. XXXX then stated I would have to pay {$310.00} for 3 months, which was almost twice my regular monthly payment! Obviously, if I can not pay my regular payment, I can not pay almost twice that! I reiterated the seriousness of my situation, aka, having no money for food and in response, XXXX disconnected our conversation. I went ahead and posted {$20.00} payments on the payment due date. What I find comical, is that I still receive emails stating Capital One can help with my payments which I find ironic because when I did ask for help, and let it be known, since having this Capital One credit card, this is the FIRST TIME I asked for help, they spat in my face!
Company Response:
State: CT
Zip: 064XX
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: I believe I have been getting false reports starting with a mortgage from XXXXXXXX XXXX that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. The following accounts is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
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: 2023-11-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX I purchased 2 flights from XXXX XXXX which totaled in the amount XXXX for the two tickets. The purchase was approved since I had more than enough funds in my checking account, and they naturally put a hold on the XXXX until the funds were taken out, although it immediately affects your available reflects on your available balance. XXXX actually took out the funds, the transaction for the 2 flights tickets posted as XXXX separate transaction $ of XXXX, the hold for the XXXX still as a pending transaction. According to XXXX customer service there's nothing they can do that's it's on the bank to released the hold since the money for the flight clearly came out of my checking account. Capital one saids that's there's nothing their can do that's it's on the merchant. Going back and forth between the two entities the message was that there was nothing they can do .... Those XXXX pending transaction that will take 4 business days to post XX/XX/XXXX ( after XXXX ), send my checking account available balance on the negatives, and has force me to live my life using credit until the XXXX pending transaction falls off my checking account. As ordinary I shouldn't be held responsible, and be force to live on credit possible negatively affecting my credit because capital one does not want to removed that pending transaction which I already paid for. In another word, as of this moment the reality is that I've been charged twice since the pending transaction is a charged. It doesn't make sense, that two giant companies can take my hard earned money, and leave me with an overdrawn account, living on credit, effecting my credit scores while they both do nothing. I spent a couple hours doing research and this is an issue common which people has been dealing for over half a decade and is unacceptable. I should be reimbursed every dollar I'm forced to used out my credit card.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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: On XX/XX/2023 - I reserved a fully refundable car on XXXX for XX/XX/XXXX - the website errored out and gave me a non-refundable and non-cancellable car. I called XXXX within minutes and asked them to change to refundable. They refusted. So I called my credit card company ( capital one ) and disputed the transaction. They credited me the charge on that day ( {$770.00} ) On XX/XX/XXXX - Capital One credit card contacted me that the dispute could not be resolved as it was a non-cancellable reservation and charged me again. I said fine. I'll go ahead with the reservation. On XX/XX/XXXX night I called XXXX again to add some services to my resrvation - car seat and insurance and they advised that I call the car rental directly ( XXXX ). I did so and confirmed with XXXX. So as of XX/XX/XXXX my reservation was not cancelled On XX/XX/XXXX when picking up the car from XXXX I was told that XXXX had cancelled the reservation. I called XXXX and they said they cancelled it because it had been disputed. I called capital one and they said they will look into it and credit my account. I picked up a car from another car rental and had to pay over {$1400.00} for the same car as it was the last minute and day of the reservation. On XX/XX/XXXX - Capital one credited my account {$770.00}. I though that was the end of it But on XX/XX/XXXX - Capital one charged my account {$770.00} again despite knowing that the vendor did not provide the service!! I have called and spoken with XXXX who refuses to credit me and also Capital One who say they can not do anything. So basically neither of them are looking out for the consumers interest. I have filed a complaint against XXXX with the FTC and reaching out to you to complain about capital one. This credit card company is looking out for the rights of the vendor ( XXXX ) and not me ( the consumer who is their client ) Please help provide a fair resolution
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I noticed that my credit was very bad and continued to go down. Then I contacted the only bank ( XXXX ) that has credit cards and they told me that I had a credit card with XXXX XXXX XXXXXXXX, so I immediately went to the place but the person who helped me checked and said that I did not have any account or credit card with XXXX XXXX XXXXXXXX and they gave me a number to make a call to credit cards so I made the call but since I did not have the credit card number they could not assist me by phone.. On XX/XX/2023, I went to the XXXX XXXX again and they informed me that I had related accounts in my credit bureau that I did not know about, so they told me to make a call to XXXX, XXXX and XXXX to report identity fraud. which is why I already made said report. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CapitalOne XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital One continues to report inaccurate information even after my continued attempts to correct the information. The consumer can not be indebted to Capital One. Any balance due over {$1.00} is due to me the consumer since I presented Capital One with a security in which they accepted and granted the consumer a credit line. Capital One breached the agreement by closing the consumer credit line which left an alleged high balance of {$360.00}. This is due to me the consumer. Any purchase money loan should be returned within 7 days of the termination of the consumer credit line. Capital One has the means and my consumer information to rightfully return the funds of this account. 12 CFR 226.11 - Treatment of credit balances ; account termination. CFR prev | next 226.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 226.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure. ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. ( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. ( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. ( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. ( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. ( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I traveled to XXXX XXXX on XX/XX/XXXX to celebrate my birthday. On XXXX XX/XX/XXXX, I took a taxi cab from XXXX castle in XXXX XXXX back to my hotel ( The XXXX ). I only opted for a cab because I was having connection troubles with my phone service so I could not access my XXXX app. Once we arrived at the hotel, the meter reading was for XXXX pesos. The driver brought out a blue machine for me pay with. I swiped my card the first time, he told me to try again as the card did not go through. I swiped the second time, it went through, I got out, he drove off and I went inside my hotel. I checked my email, I received a notice from Capital one stating that a charge for {$1100.00} was denied due to low funds. I immediately logged into my account, I noticed the denied charge, I also saw a pending charge for {$280.00} all from the same merchant. I contacted my bank immediately and told them everything all within a span of XXXX hours of this fraud. I was told there was nothing they could do since the charge was still pending. I would have to wait until the charge was posted before they can file a claim. I was advised that the charge would post on XXXX. I called again and filed the claim, I was told that my case would be escalated and a provisional credit would be applied to my account. Neither was done. I followed up almost everyday, spoke with managers, each time I was giving a different information pertaining to my claim. Today ( XX/XX/XXXX ), I called to follow up and I was told that my claim was denied. They refused to give me back my money even though my transaction history corroborates activities of fraud from this cab driver disguised under XXXX XXXX. The bank is asking for documents that I do not have, I already spoke with a rep advising her that this was an unauthorized charge. There is more than enough prove in my transaction history to get my money back but my bank refuses to acknowledge or refund. I don't know what else to do
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My loan on my XXXX XXXX XXXX is through capital one auto finance. When I purchased my car from XXXX XXXX, XXXX MD XX/XX/XXXX I also had gap protection purchased. My car was hit and totaled in XX/XX/XXXX. I received payout for what the insurance was giving me, but I still havent received a check/ credit for the remainder on my loan and I am still paying payments on my auto loan for a car I am not driving. I already spoke with the dealer, capital one, and the third party company whom the gap protection was with XXXX XXXX XXXX XXXX. I am doing everything I can to find an answer and get a run around.
Company Response:
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Billing Error amount of {$3600.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A