Date Received: 2023-11-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX ( Separated Spouse ) XXXX ) XXXX / XXXX XXXX ) Back in XX/XX/2021, there were 2 unauthorized wire transactions that was taken from my savings account. When I reported it to my bank ( XXXX ) as a fraudulent transaction they notified Capital One which is her bank that the money was sent to without my approval, and they proceeded to freeze her Capital One account. By doing so, XXXX was unable to withdraw the funds or utilize the funds which is good because it was fraudulently withdrawn from my XXXX account. My bank has reached out multiple times to Capital One to reallocate the funds back into my account but Capital One is being extremely difficult and from what it seems have took it upon themselves to close out her account and not return my money back to XXXX the original account. The grand total she took from me was {$18000.00} dollars. I truly need help with this ordeal please. I have a paper trail of information to support my claim
Company Response:
State: TX
Zip: 79904
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: Our Real Estate Firm has been a target of ACH Fraud Cybercrime Extortion. We believe it to be a ring of predators constantly sending Fraudulent ACH Withdrawals to our XXXX XXXX Business account since XX/XX/2023. We have closed our 3 business accounts and opened 3 new accounts, but XXXX XXXX is saying the extortion attempts shall " Roll Over '' to our new accounts up to 90 days. Funds in amount of {$17000.00} were extorted XX/XX/2023 from our business commission account by Capital One Bank before we noticed it was gone 2 days later. We have been able to Stop Payment on 7 further attempts to extract funds since XX/XX/2023 and it has become a daily routine to login to our accounts as a preventative measure. We have filed reports with XXXX XXXX XXXX, XXXX XXXX XXXX Federal Bureau Of Investigation XXXX Federal Trade Commission and now XXXX XXXX XXXX XXXX. We realize ACH Cybercrime is currently at an all time high and would appreciate any assistance you can provide. -- Warmest regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX | XXXX South XXXX XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30071
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Im writing to request your help in remedying harm caused to me by Capital One Credit Cards after they mishandled a small clerical error in my application for a Capital One Spark card. This has resulted in three Hard Inquiries- on each of the credit bureaus that has negatively impacted my credit score. Even so, instead of being accountable for their lack of transparency and poor customer service- they are placing an onerous burden on me to remedy what is essentially their mistake. This is despite the fact that Ive been a Capital One customer for over a decade. I opened my Capital One 360 checking and savings accounts in XXXX and a Capital One Quicksilver credit card in XX/XX/XXXX. I also want to let CFPB know Capital One made the reparation process for their XXXX data breech exceptionally cumbersome. Finally, Capital Ones customer service is only available in small windows, with call menus that waste customers time before letting us know no ones available - and their website and app are down way too often. Details are as follows : THREE HARD INQUIRIES DUE TO CAP ONE DYSFUNCTION On XX/XX/XXXX, I applied for a Capital One Spark credit card, which offered a {$500.00} bonus if you spent {$4500.00} in 90 days, as I had some big expenses coming up. Over the next few days, I was surprised to not hear back about my application. Besides being a loyal Capital One customer, my credit rating had been in the low XXXX most of my adult life. I hadnt carried a balance on any credit card since the late XXXX. So when I apply for credit cards, Im always approved immediately. So I called Capital One to inquire as to why my application was held up, but no one could tell me anything except it it takes 7-10 days processing. So I assumed it would be coming. Almost two weeks later, I received a letter from Capital One, in the mail, saying my application had been declined but with NO information as to why On XX/XX/XXXX, I called Capital One but still could not get any information as to why my application was declined. I escalated the call to XXXX, who also offered no insight as to why Id been declined. She simply offered to put the application through again, i.e., reapply- which I did. Shortly thereafter, I received another letter saying that my application had been denied. I called Capital One again! At some point, I was able to ascertain that in my on-line application, Id accidentally put my last name in the first name box, and my first name in the last name box! This is why Id been declined- even though all the financial information was accurate - and in every other way, it was clear it was me. Even so, the agent offered no solace, apologies, and most importantly - no solutions. By this time, my expenses were coming up. So I applied for a XXXX XXXX and XXXX XXXX XXXX XXXX. Though they offered lower cash bonuses than a Spark card, they would help. My application with both banks was immediately approved so I was able to use them for my expenses. On XX/XX/XXXX, I had more expenses possibly coming up - so I started a new application for a Capital One Spark card. This time, since I didnt swap my last name for first name. The application was immediately approved. Unfortunately, my upcoming expenses did not materialize so towards the end of my 90 days, not having spent the {$4500.00}. I decided instead to buy some gift cards to bring my total up to {$4500.00}. However Capital One told me that pending charges would not count towards earning me that bonus. NOTE : Most other credit cards DO include charges that are still pending at the cut-off date of the bonus period!!! While I never received any benefit from the Capital One Spark card, as you can see from the attached page of my XXXX Credit Report, there are three Hard Inquiries from Capital One : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. For contrast, during this same period, I applied for and received credit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a second XXXX XXXX XXXX XXXX - NONE of which created a hard inquiry! In XXXX, I checked my credit score and saw it had dipped to the high XXXX with two of the three credit bureaus. I did some research and learned that Hard Inquiries negatively impact ones credit score. So on XX/XX/XXXX, I called XXXX Disputes Department at XXXX to file a dispute. However the agent told me there was no bridge for her to remove the Hard Inquiry because - although she could see the last name and first name were swapped - ALL THE FINANCIAL DATA WAS CORRECT. She agreed this should not have been an obstacle for the bank. So I requested my Credit Report to see what she was referring to Also on XX/XX/XXXX, I called Capital One to dispute their Hard Inquiries. The agent said I needed to send a letter to Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. In that letter, I needed to indicate my name, address, Spark account number, social security number, date of birth, as well as the credit bureau in question and include detailed information/documentation - including images- with the incorrect item circled. She said Capital One would review my request within 30 days - and mail out a response which would take another 7-10 days. NOTE : Best case scenario, Capital One is accountable to their error, this prolonged process adds another 1-1/2 months that my credit score is dragged down by their error. On XX/XX/XXXX, I received XXXX credit report - all 14 pages, only one of which includes the Hard Inquiries. Also, I dont want to remove a page from my credit report so - should I scan it and print it out again for Capital One? It now occurs to me, this wont fix the Hard Inquiries with XXXX and XXXX. Though I discover I can order all my credit reports on XXXX I also realize I can only do so once a year. This seems like a total waste - and additional burden. On XX/XX/XXXX, I call Capital One again and am told that- not only does Capital One insist I send a document showing the incorrect information- but theyll only remove the Hard Inquiry from ALL THREE credit bureau, if I send ALL THREE FULL CREDIT REPORTS!! So basically, Im being asked to send highly sensitive material in the mail - not just a letter with my social security number and birthdate - but also my three credit reports. First- as someone whos been the victim of five data breeches in XXXX and XXXX alone - including one from Capital One- it strikes me as highly risky - not just to send this personal information through the USPS mail- but to have floating it around Capital One offices - after theyve proved themselves to be a highly dysfunctional organization that cant even process a simple credit card application with the last and first name swapped. Secondly, theyre asking me to send my valuable credit reports to which Im only entitled once a year - unless I have the 50 double-side pages photocopied - a time-consuming and expensive process. Not to mention, the cost in time and money - of mailing the package, especially in a secure fashion. THIS IS UNACCEPTABLE THAT I SHOULD PAY THIS BURDENSOME PRICE FOR CAPITAL ONES DYSFUNCTION. Attached please find : ~A page from my XXXX Credit Report showing all three of Capital Ones Hard Inquiries as they appear on my credit report ~ALL THREE of Capital Ones Hard Inquiries with ALL THREE credit bureaus pulled from Experiences Identity Works identity defense service CAPITAL ONE DATA BREACH While the Capital One Cyber Incident occurred on XX/XX/XXXX, I was not notified until XX/XX/XXXX by mail - even though I was in the affected group, having applied for my Quicksilver card in XXXX. Thats a significant gap, during which time my data was exposed, unbeknownst to me. The gap also makes it impossible to track the fact that my email address is now on the XXXX XXXX While Cap One offered XXXX credit monitoring, they made a deadline of XX/XX/XXXX to sign up. That seemed to me a very short window. Since XXXX data breach was still in the news, I passed on signing up, especially since I still had credit monitoring from either the XXXX or the XXXX data breach. On XX/XX/XXXX, almost three years after the breach, I received ONE EMAIL notice of a Class Action Settlement. I had no idea there was even a case!! Also - the notification method was not really befitting something so important as one email, especially for me, with hundreds of spam emails a day - thanks to a data breach. Finally, the remuneration process was paltry. Not only was it challenging to prove whether or not I was directly affected, but the XX/XX/XXXX deadline to enroll in the class action suit was short notice for those of us with busy lives. Worse, although they offered three years of identity protection to those of us who couldnt prove direct harm, it was almost IMPOSSIBLE to get it. Starting XX/XX/XXXX and for over a year, I called every few weeks to get the identity protection. I spoke to XXXX first. He told me I had to just keep checking the website. I called more times and talked to XXXX, XXXX, XXXX and others. But instead of getting the protection service, I was sent to the website again and again. Eventually, I was also advised to call XXXX where I was repeatedly promised the activation code in a week, but it never arrived as promised until finally - on XX/XX/XXXX, XXXX gave me the proper activation code so I could be enrolled! It should not have been this hard. In conclusion, while I chose Capital One to avoid giving my business to one of the five big banks, they now appear too big to function effectively and fairly. I ask for your assistance in navigating their bureaucracy and would like all three Hard Inquiries removed from my credit report.
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: YOUR COMPLAINT On XX/XX/XXXX, I received an email from Capital One stating that the fraudulent activities I reported in XXXX from XXXX XXXX ( app off XXXX ) CLAIM # XXXX for my checking ending in XXXX was reviewed and the outcome resulted in some of those transactions being labeled as fraudulent and the rest labeled as valid transactions ( listed after this paragraph ). All of these transactions are unauthorized and reported as fraud. I was not aware my information was hacked and being used over and over again. That is why I filed the disputes. I don't understand how some of the claim was denied when all of it was done by the same person and location. It is clear by the investigation that the person who had my information and sent themselves money via XXXX XXXX did so numerous times and from the same IP address. Again, how can Capital One approve part of the claim that was done by this person and then turn around and label the rest of the unauthorized transactions as valid. This is unacceptable. I am not going to be responsible for unauthorized transactions. Also, now I am being contacted about this account since Capital One has decided to close my checking account and charge it off. This will affect my credit score. This is not right that a consumer is responsible for paying for fraudulent activity. I want this to be escalated and handled appropriately. I do not want to allow these hackers to steal my information and get away with it!
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On or about XX/XX/2023 I paid the entire balance of my Capital One platinum and Capital one XXXX card off. Totaling about XXXX for both. I applied for a mortgage in XXXX of 2023 and by XXXX, it was time to go to the next step. I had been saving money so that I could pay my bills from my XXXX account so as to not disturb any funds I was saving for my closing costs. Normally, I go on Capital One app and use XXXX of my bank cards to pay my bill. However, since I was using XXXX, I had to pay with that. I tried to put the numbers in but got a response that card was not accepted. So I went to XXXX 's page where they have your account number and routing number and I entered that for my payments. A couple of days later I realized the money did not come out of my account. I looked on the Capital one app and saw the payment was returned. I had no idea why, but just paid out of my closing funds immediately. The next day my accounts were marked restricted. I called to ask why and they said they do not tolerate that type of business or some rule they read to me. I explained what happened that I had no idea you could not use XXXX 's routing number and account number to pay a bill. It's offered to you by XXXX, and that when I realized i rectified the situation immediately. In the middle of my mortgage they closed my account and deemed it at capital one 's request. This company has put a stain on my credit report and reputation because I tried to pay them out of XXXX. Note - I have NEVER paid late and almost always paid the entire balance before the due date. On my credit report before it says " accounts closed '' it says exceptional payment history. I do not want another card from capital one, but I want an apology and the stain removed from my credit and reputation. Luckily, after writing a letter to my underwriter, I was approved for the mortgage. But was recently turned down for a credit card and I know it's because of XXXX XXXX. Please help me.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: They unlawfully reported an account on credit report with my permission, Which they validated the Fair Credit Reporting Act.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: My name is XXXX XXXX XXXX XX/XX/23, CAPITAL ONE FINANCIAL repod my car, and took it straight to an auction lot XXXX XXXX hours away from where I reside, after my account was charged off on my credit report. A charge off means they were paid. They then hired a 3rd party company to steal my property. Without notice. They offered me no help in finding out where my car was located at for XXXX weeks. Nor has anyone been able to inform me what happened to my personal property inside the car. XXXX representative told me then can sell my car whenever theyd like. So apparently I have no rights according to Capital One Financial. I called multiple times, each time being a long drawn out frustrating experience, XXXX hours on each call without gaining any needed information. I was told if I did not give them my social security number, or account information, on the account they closed, they had to disconnect the call with me. I have requested multiple times my original contract, my original promissory note, from the employees in the presidents office, And case manager, which I still have yet to receive from them, in order to verify proof of debt owed, or proof of funds I supposedly received for said loan from them. They were not at the dealership upon the business of my promissory note signature. They are holding me and my ability to travel & self sustain at ransom, for presumed said past due amount. Even after reporting charge off & closing of account to credit bureaus, which they took no responsibility for doing when addressed. I have rights, and am the owner, & beneficiary of my property. They have committed conspiracy against me, and no corporation has more rights over my securities & equity than I. I never received the right to dispute, nor any due process for such harm caused upon my life.
Company Response:
State: IL
Zip: 60074
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I asked for a copy of the bill, which has NEVER been sent to me, I will not pay Kohls unless they send a bill.
Company Response:
State: CA
Zip: 92868
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I recently got a new Venture card that its excellent standing, with no past due, no fraud and not delinquent. Capital one invited me to apply back in XXXX. I logged in and to was shocked to see that they restricted my account with any further notice or explanation. I received a XXXX letter after it was already closed. They keep harassing me and discrimination against me telling me about my attitude. I have no idea why they are talking about, but this is the 2nd time. They closed a card on me in XXXX of 2022 as well. only because I demeaned answers and the poorly trained customer service was very. rude and not helpful. So they say I am rude, yet the way treated me is obsolete. They harass me, laugh over the phone, they totally careless when my card get lost and I had to reported. If you make a complaint and demand answers, Capital one will retaliate against you, which is illegal.
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A