Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I've applied for a checking account online using promo code XXXX on XX/XX/2023 which was publicly available at the time, and uploaded my driver 's license as instructed at the end of the application. On XX/XX/2023, I've received a follow-up email from Capital One asking me to finish the process using Application ID XXXX which I did promptly. It did look like my account has been opened on XX/XX/2023 after I've completed everything that was required. However, unbeknownst to me the account would be restricted the very next day on XX/XX/2023 as an email from the bank arrived again asking me to complete ID Verification. It did seem a little strange for the bank to ask for something I've already provided, however I decided to give it one more shot by uploading the driver 's license again on XX/XX/2023. Unfortunately no response came back from Capital One ever since and my account remained restricted.
Company Response:
State: WA
Zip: 98026
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had applied and was approved for a menards / capital one charge card. I made a purchase on XX/XX/XXXX using the 6 months same as cash promotion. Then I made two additional purchases on XX/XX/XXXX and XX/XX/XXXX that were supposed to be 4 years same as cash but each statement I received after those purchases I seen I was being charged a reduced rate of 3.99 %, I called customer service to ask why I'm being charged a reduced rate and not receiving the XXXX yrs same as cash when I made the purchases and they couldn't help me and all the csr did was read from the paragraphs on the monthly statement. The customer service rep provided no help at all. That was in XXXX / XX/XX/XXXX. Now XX/XX/XXXX I receive my monthly statement and have been paying up to {$300.00} - {$310.00} per month since XXXX or XX/XX/XXXX trying to pay off the 6 months same as cash promotion b/c it was expiring XX/XX/XXXX but was charged {$170.00} interest on my XXXX statement b/c the 6 months promotion expired XX/XX/XXXX and they have been applying each monthly payment that I'm making to the ( XXXX ) 4 year promotional balances instead of the 6 month promotion that was expiring and I'm now being charged 30.24 % interest on that 6 month promotional balance. I called customer service again today XX/XX/XXXX at XXXX est. asking if I can pay the 6 months promotional balance off in full so I'm no longer being charged 30 % interest on that remaining balance. The csr tells me that no there is no way to make a direct payment towards a particular promotional balance and proceeds to read the " HOW DO YOU APPLY MY PAYMENT '' paragraph from my monthly statement. This is after she put me on hold from 20 minutes. I just don't understand how they are getting away with these things and why they don't allow a customer to make a payment towards a particular promotional balance. They allow a customer to make separate purchases using different promotional types and then the customer is stuck paying them off how Menards / Capital One decides.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
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 filed this with your organization a while ago and Capitol one said they closed the account and yesterday I received another statement in the mail. Previous complaint number is XXXX In the next step you request a credit card number, I can not give that to you because I never received a card
Company Response:
State: PA
Zip: 17257
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Invalid credit report item was realized, disputed, and was updated as valid by XXXX XXXX and the alleged lender. We have not entered into contract for any amount with it or the original alleged Creditor.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have three different Capital One Credit Cards - I use them monthly and pay them off in full every month. I have been a client of their for years. On today 's day the abruptly cancelled all three cards. When I called their customer service line the representative said I may have violated a Capital One policy. I am a XXXX XXXX XXXX XXXX and use my card only for purchases for food, gas, clothing and other basic products. When I asked what policy did I violate? They responded by saying they do know. This is strange beyond belief.
Company Response:
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Re : Complaint Against Capital One Regarding Erroneous Chargebacks To Whom It May Concern : I am writing to file a formal complaint against Capital One ( Contact : Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Phone : XXXX, Website : www.capitalone.com, Email : XXXX ) regarding their refusal to reverse two erroneous chargebacks on my credit card account ending in XXXX, despite my repeated attempts to get this issue resolved over the past month. On XX/XX/2023, a chargeback was processed for a valid XXXX transaction in the amount of {$9.00}, with transaction ID XXXX. Additionally, on XX/XX/2023, a chargeback occurred for another valid XXXX transaction, in the amount of {$54.00}, with transaction ID XXXX. I had previously reported these transactions as fraudulent in error. However, for over a month now I have been systematically ignored, neglected, and lied to by Capital One customer service as I have desperately tried to have these chargebacks reversed. I have called customer service multiple times and spoken to representatives who consistently provide misleading information, refuse to assist, and pass me from person to person without resolving the issue. I have sent detailed letters and faxes that have gone unanswered. There appears to be a pattern of willful neglect, as Capital One representatives stonewall customers rather than addressing issues brought to their attention. As a result of these incorrect chargebacks, which I have verified as valid purchases, the XXXX merchants have refused to do business with me going forward, damaging relationships I have built over the past 30 years. I am requesting that the CFPB assist me in prompting Capital One to immediately reverse the chargebacks and return the funds to the merchants. The necessary merchant account details can be provided upon request. If Capital One fails to resolve this systemic customer service issue promptly, I will consider additional legal action. I look forward to your assistance in resolving this urgent matter and holding Capital One accountable for its poor treatment of customers. Please contact me at [ XXXX ] or [ XXXX ] if you require any additional information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Capital One bank has changed its Bill Pay system for its checking account and taken away many user-friendly features from previous Bill-Pay system. This new Bill Pay system was forced on the consumer with no opt-in or opt-out option. Furthermore, there was no consumer training, or any prior notice or communications for changes to Bill Pay. This was forced on the consumer by the Capital One bank leaving no choice. For example, the following features and capabilities were all eliminated with its new Bill Pay system. ( 1 ) consumer can not see all of their bills in one screen anymore. Each bill needs to be expanded individually wasting more consumer time. ( 2 ) The auto-pay bill interfaces that were established previously were all broken. Bank has put the burden on the consumer to reestablish those interfaces. ( 3 ) Historical bill payment information is lost, hidden or not easily available. ( 4 ) Consumer has to select one-bill at a time to search and pay. ( 5 ) The Bill Pay interface is cumbersome to use and not user-friendly. Additionally, There is no phone number for live agent on their bank account website to call. There is chatbot available that is useless and provides wrong answers most of the time.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Company Response:
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Capital One Auto Loan was paid in full on XX/XX/XXXX. I received a letter from Capital One Auto Finance confirming the pay-off on XX/XX/XXXX and received a refund for around {$40.00} a few weeks later. My registration in XXXX reflected that the lien holder of Capital One was removed. I also received the title slip to my car. The problem arises XX/XX/XXXX when I received an email from Capital One Auto Finance stating that I owed {$12000.00}. I first thought that this was a scam and found my notes which had the contact number for Capital One and immediately contacted that number. I spoke with several of their representatives, who confirmed that their system had me owing the above mentioned amount. I read to them the letter that I received and the fact that I had been given my Title Slip to my car. I was told that I would have to call back in 3 to 5 days because they could not reach the back room. They would let me know what I owed. The representative failed to asked me to fax or email any information that I have to confirm my inquiry.
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I initially applied for a credit card email offer, but did not receive a confirmation or response. I remembered my credit is frozen, so I unfroze it with all XXXX bureaus and tried the application again. That second application was then declined because it said I already had an application in process. Then the first application was also declined because it said I had another application in process. My application was declined without review or consideration due to the system already seeing the duplicate application and has been stuck in this loop. Ive called customer service several times and they say they have no way of fixing this or escalating the issue. I would like to have Application ID : XXXX properly reviewed and issue an actual evaluation of whether or not I should be eligible for the offer that was emailed to me.
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A