Date Received: 2023-11-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Incorrect Amount on My Credit Report I am writing to formally dispute an inaccurate amount that is listed on my credit report. The discrepancy pertains to XXXX XXXX and the specific details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have carefully reviewed my credit report and compared it to the original terms and agreements with the creditor. It is evident that the amount reported is incorrect, and it does not reflect the accurate status of the account. The correct amount owed is as stated above. I have taken the following steps to address this issue : I contacted the creditor directly to discuss this discrepancy. Request for Correction : I have requested that the creditor correct the reported amount to match the accurate balance and account status. I kindly request that you investigate this matter promptly and take the necessary steps to correct my credit report to reflect the accurate information. This includes updating the reported balance to the correct amount owed and ensuring that my credit history is accurate. Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to conduct a reasonable investigation into disputes within 30 days. I also request that you notify me in writing of the results of your investigation once it is completed. Please be advised that the inaccurate reporting of the amount owed has the potential to adversely impact my creditworthiness and financial opportunities. Therefore, I consider the prompt resolution of this issue to be of the utmost importance. I can be reached at Phone Number XXXX XXXX should you require any further information or clarification. I appreciate your immediate attention to this matter and look forward to a swift resolution. Thank you for your prompt response. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 77539
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: Capital One continue to deny me to be approved for credit card for a account that was open over XXXX years ago. Even now when my consumer report is not poor.
Company Response:
State: TN
Zip: 38114
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: Problem with rewards from credit card
Consumer Complaint: I have a XXXX XXXX credit card with Capital One, and have accumulated over XXXX miles for travel. Today I signed into my account to set up a miles transfer to an airline. I was able to log in to my account after signing in with my credentials and the 6-digit code Cap One texted me as part of their dual authentication process. However, when I landed on the Rewards page to set up the miles transfer to the airline using the " Convert rewards '' button, I received an error message saying, " Looks like we don't have the necessary contact info to complete a security step. '' This message in itself is a lie and deceptive, as that exact phone number is what was used for me to receive the 6-digit code from Cap One in order for me to access my accounts. This error message only appears when I try to set up a miles transfer. I called Cap One and the representative told me their system has an " issue '' and miles transfers have not been available to cardholders since XX/XX/XXXX- that's almost one month! I follow a page on XXXX for this credit card, and there are cardholders who stated they have been able to set up miles transfers recently, so I don't understand why I can not. This credit card costs {$390.00} annually and it advertises a cardholder 's ability to make miles transfers to airlines. Since I am unable to, I feel their advertising is deceptive and it is unfair for me to be unable to make miles transfers.
Company Response:
State: CA
Zip: 91801
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 2023 XX/XX/XXXX - Opened capital one 360 checking account XX/XX/XXXX i was sent an email that says " when you bank with Capital One 360 checking account your hard-earned money works harder for you. With fee-free benefits, mobile banking and multiple funding options, getting started is simple. I set up my paycheck to be automatically deposited into my new 360 checking account via direct deposit. I am an authorized user on a SECURED Capital One credit card, I have access to my online banking with this secured card However, If so I am not able to link the 2 accounts. XX/XX/XXXX : I called to check my balance and confirm that my direct deposit was successful. XXXX XXXX XX/XX/XXXX I have made calls to capital one to ask for help with my account and not one employee has been able to help me and XXXX XXXX i was told my account is under investigation and they dont know how long it will take AND IF they feel like they owe me money then a check will be mailed XX/XX/XXXX I was told i need to go to XXXX XX/XX/XXXX i was transferred to fraud department and told to leave voice mail and wait for call back
Company Response:
State: GA
Zip: 315XX
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: Problem with rewards from credit card
Consumer Complaint: I made a flight reservation with capital one travel portal and found out later that I wouldn't be able to take the flight. I cancelled the reservation within 24 hours, but was only able to get reservation credit with the airline. As a XXXX XXXX cardholder, I am eligible to receive up to {$300.00} credit. So my reservation with the flight costed me {$77.00}. However, when I cancelled the reservation, Capital one portal wouldn't allow me to cancel on its portal, but I had to go to the airline 's website to cancel. As a result, I was only able to get reservation credit and a {$10.00} voucher, which I could only use with the airline. And I am not happy with it at all since I probably will never fly with this airline, and all the reservation and voucher credit are wasted at my end. I feel like Capital one travel portal has operated poorly, and was ineffective in advising me about the cancellation options I have. ( XXXX, for example, allows me to cancel within 24 hours directly through XXXX XXXX ) Today when I called Capital One, the agents told me that I should call them within 24 hours when I cancelled the reservation, which was never explicitly stated on its website whatsoever.
Company Response:
State: MA
Zip: 02062
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In 2013 I applied for a student Visa card from Capitol One. The limit was {$300.00}. I called and told them my card was lost and I needed a replacement. I never recieved it so I didn't think twice about it until years later this portfolio recovery company was calling me and my mother and sending letter. I disputed it at that time. They denied my dispute. I even filed an identity theft claim with the ftc. My ex- roommate stole my identity. Now it's 10 years later and it's still giving me a low credit score!
Company Response:
State: IN
Zip: 463XX
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: Privacy issues
Consumer Complaint: There is a debt forgiveness program that I was attempting to apply for online. ( Credit Wise ) which is powered by capital one. Because I didnt have access to an old XXXX XXXX account on a mobile application they put me through a series of questions and transferred me to XXXX different people. The gentleman attempted to update information but because I didnt have access he couldnt provide service. He then sent me the following link to process a copy of my drivers license on the fourth attempt it was successful on my end. He ever he denied me saying it failed on his end. I called XXXX they gave me the same problem and then told me I had to take it up with capital one and they would be able to pull my credit report to better assist me in the matter in which they couldnt. How am I suppose to clear my debt if I cant update them with information. So they are allowed to take my money but I cant access or update my information?
Company Response:
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: on tuesday XX/XX/XXXXXXXX i received an email from capital with a promo bonus of XXXX after spending XXXX within 3 months. it says to get this offer i must use either the apply now link or see if im pre-approved in the email. i used the see if i was preapproved link where i went through all the steps and was told i was pre-approved and had the option to finish my application. i finished my application and was approved. i called capital one on XX/XX/XXXXXXXX at XXXX to confirm i would be receiving the cash bonus. i was told by a representative that since the card was just opened it was too early to confirm and to call back tomorrow morning. I called on XX/XX/XXXXXXXX and stated i was calling to confirm if the XXXX cash back bonus offer was showing. i was then transferred to applications where a rep stated they didn't see the offer and asked what were my application terms. i said uh idk i dont have access to the application as i dont have the option to see it on the app or online. he said for me to wait and get the card in the mail and see if it has the offer. i explained i didn't see how they wouldn't have access to it on there end and i didn't want the run around and this was the 1st time i was having an experience where the bonus offer couldn't be confirmed. He said he didn't see the bonus offer now but it could pop up later and to wait until i get the card. i asked if i can send him the email so they can see what i'm referring too and he said no i can call back and provide it if i dont get the bonus and need to file a complaint on XX/XX/XXXX i explained the situation to a family member and they said capital one was giving me the run around and that they can see if i can get the offer or not. i then did some research on XXXX where there were numerous complaints that capital one doesn't honor their cash back bonuses on XX/XX/XXXXXXXX i called and spoke to a rep who transferred me to XXXX at escalations who told me that there is nothing he can do- i will not be receiving the XXXX bonus because the offer i signed up for didn't include it. i stated i did what the email said and can forward it to him i clicked on the see if i'm pre-approved- i then clicked the button that said to finish my application. he said the pre-approval link brought me to the pre-qualification tool which is sepreate from the offer. i said but the email says i can click that and get the offer. he said no - that tool is sepreate with sepreate offers. i said how when the email says i can click that link and then it had the green " complete my application '' button and i started my application from the link in the emaik. he said again capital one is not wrong. i said i will like a formal file review and will forward the email i receiived as i did everything the email stated. he stated thats not necessary because it wont result to anything.he would note the complaint but it will just result in feedback for capital one. i will not be getting the offer as those werent the terms for the application i submitted. i asked to be escalated to someone above him- he said he is the supervisor and his boss doesn't talk to customers. i said this can't be the end of the road i need to speak to someone else and asked to be transferred to another supervisor. he said i would need to call back to get someone else different but they will say the same - capital one did nothing wrong.
Company Response:
State: NY
Zip: 12205
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: Fraud or scam
Subissue:
Consumer Complaint: I paid for computer clean up services via XXXX from a guy with the XXXX name of who has a company name of XXXX XXXX XXXX XXXX ( email : XXXX ) XXXX ( name on XXXX ) on XX/XX/XXXX. He asked for {$200.00} for his services and then claimed that he did not receive the funds when the funds were sent via XXXX. I complained to Capital One and they claimed that there was nothing they could do to retrieve the funds because XXXX is a 3rd party entity. Capital One also refused to pursue a second claim because the initial claim was completed and they have decided to not reopen the claim for full resolution. I was scammed out of {$200.00} from a guy on XXXX who probably changes his name after every scam he performs. I also contacted XXXX directly and they have never responded despite a complaint filed and the transaction number that was given to them.
Company Response:
State: TX
Zip: 77535
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: Problem with rewards from credit card
Consumer Complaint: I applied for a Capitol One Quicksilver card. There was to be a {$200.00} cash bonus if I spent {$500.00} in XXXX months. New customer offer. I complied with everything.. I called to find out why I did not receive my cash bonus. I was told I qualified and should receive it by XX/XX/XXXX. I called back the end of XXXX and was told I did not not Qualify as my card did not offer the {$200.00} bonus. I was told by two supervisors there was a notation on my account stating I did Qualify but that was not accurate. They said the person who made the notation would need additional training. Really?? You can't make this stuff up. The truth is I did Qualify and I can prove it. My daughter Emailed me a screen shot of the original ad. There is a tab on that ad to sign up for this program. You use the tab on the ad to sign up, making it impossible to make a mistake. We did this together and she received a referral bonus when I signed up. Subsequently I have printed current ads and they have the same promotion that I was offered. It seems that whenever you search CAPITOL ONE QUICK SILVER CARD this promotion comes up with the card. I have copies of my card, the two recent promotions and the cop [ y of the original promotion. I was told by a CFPD customer service representative that this isn't the first time this complaint has been made against Capitol One.
Company Response:
State: FL
Zip: 34202
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A