Date Received: 2023-11-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Every month I am charged a Purchase Fee on my credit card ; although I remit payments above the minimum. No one can explain to me either at the bank or customer service what this interest rate is for considering I havent used the card in months.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 mutiple inquiries came onto my credit report and days after to and i think someone has my social security number and trying to get things in my name.
Company Response:
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had two credit cards with Capital One. One opened XX/XX/2023, one opened XX/XX/2023. I had one returned payment on the older card. Capital One immediately closed it, before I could male a replacement payment. Capital One then closed the second, now card, before I even activated it. Capital One did not even notify me that the second card was closed. I found out when I logged into my account.
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have contacted XXXX XXXX XXXX agency numerous of times around XX/XX/XXXX regarding the account that appears on my credit report. The company in dispute is Capital One Bank, dated XX/XX/XXXX in the amount of {$2500.00}. I also contacted Capital One Bank and ask them to validate the debt by providing me with documentation that proves this account belongs to me. They have not been able to provide me a solution and told me I would have to contact XXXX regarding the account. On XX/XX/XXXX I received notification that the account was deleted from consumer report. Upon checking my account some time later around XX/XX/XXXX the Capital One Bank account was back on my consumer report after already being disputed and removed removed. It is my understanding that before reinserting an account that has been removed I should have been notified, which I wasn't. I have sent letters to XXXX demanding the account be removed again but they have failed to do so. I have not been provided with any documentation as to why this account still remains. This is an urgent matter that must be taken care of immediately as it is affecting my credit negatively and my ability to flourish and provide for my XXXX kids in a sufficient manner.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: During the year of the XXXX XXXX pandemic I lost employment due to the severity of the impact. I did not have an income and therefore capital one reported my Credit card payments late even though mentioned they would have relief for affected individuals due to XXXX XXXX
Company Response:
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My husband and I have a cc with capital one ending in XXXX. It was opened in XX/XX/XXXX with a small availability, which was fine by us. In the month of XXXX, I made more than 1 payment on it as we would use it, then a few days later, pay it off in full as a cash-back program through Capital One. A few days before XX/XX/XXXX, I paid it off again at {$410.00} and noticed the account had a restricted status even after the payment was posted. I called, and they informed me that the account was in that status due to suspicion of fraud for the amount of payments for the month each time paying it off. They would need to speak with our financial institutions to verify that we had ownership of the bank account payments from Capital One. The rep at Capital One called XXXX XXXX first, and I verified with XXXX, and it was fine per the rep at Capital One. We then called XXXXXXXX XXXX, and the Capital One rep came back on the line saying the wait time exceeded their allowed hold time of 10 min, and I would need to send them 60 days of statements with my name and account # on it. She emailed me a secure link, and while on the phone with her, I downloaded XXXX statements from XXXX and submitted them ; she confirmed they got them and it would take 3-10 business days. XXXX aprox : Capital One called and informed me they had the documents and that they were being denied due to the statement did not have the savings account # on it, but it did have the last 4 digits, my name and address and history showing payments to Capital One. I would need to send them a voided check or go to my bank and have them do a savings account only statement with the full account # showing. I up loaded a voided check same day on the secure link XX/XX/XXXX approx : Capital One called and said they got the voided check, which was being declined due to still needing the savings account # ending in XXXX. I informed them that we had done all they asked for, and there was no reason for Capital One to need our full savings account # for anything when transactions, name, and address all match. XX/XX/XXXX I sent them a letter through the secure link along with statements highlighting all the information and that savings and checking transactions are all on XXXX statement. Capital One would not respond to my letter or documents supplied on XX/XX/XXXX. XX/XX/XXXX : I contacted XXXXXXXX XXXX and spoke with a rep there, and they also transferred me to their fraud dept after I told them our story with Capital One as they had concerns about Capital One doing suspicious searching and activity on the credit card account and our banking information. They informed me that they were not comfortable supplying Capital One our full savings account # and that I could come in and get a letter that may help, but it would not have the full account # and that what Capital One was doing was illegal and they would not be assisting with it. I thanked her and agreed and was not upset at all with their decision. I called Capital One later that afternoon and spoke to XXXX in the fraud department as that is where I am automatically transferred to when I call in about this account and informed him that I had zero response from them on the XX/XX/XXXX information I sent and also as to what XXXXXXXX XXXX had informed me of. He started laughing and said that what they are doing is not wrong that they felt that with the number of times a PAYMENT was made on the credit card it was fraud and had to verify the ownership of the checking and savings accounts. It has nothing to do with charges ; this has to do with payments only. I did tell him we were seeking legal counsel and I also informed him I have emailed my State representative and also contacted XXXX XXXX. That all the conversations we have had with Capital One are on a recorded line as Capital One states each time you call in. He then got agitated and said " If YOU are recording this I am hanging up, Capital One can not speak to anyone on a recorded line ''. I told him that is not what I said and I referenced the above again. He then responded, " Oh yeah, thats right we do that ''. XXXX then told me they are not doing anything wrong, I can address this with who ever we want and that the only way it will change is when we send them a document with our full savings account number on it and they review it. I told him that I would not be discussing this anymore with them and would move forward with this legally and federally.
Company Response:
State: OH
Zip: 45324
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I just feel like any overdraft fee I incurred shouldnt been an overdraft because the bank know I dont have the phones so why let it charge?
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: capitol one card opened in my name caught on a XXXX XXXX alrt called capitol one and started complaint also got sheriffs report number XXXX with XXXX XXXXXXXX XXXX XXXX since has bee deacitvated had XXXX on it address was also a fraud deal per sheriffs office also a XXXX XXXX was tried to be opened but did not go through since have froze all credit reports
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX Called Capital One. Agent ID XXXX was able to confirm that a debt with them was settled in XXXX. I have the CC # on file now. XX/XX/XXXX Shortly after the call, I got a " New Account Notice '' email from Secured Access Solutions to log into my account. I did not click on the link. XX/XX/XXXX XXXX Received multiple calls. When I tried to explain that the credit card was closed and CapitalOne suffered a data breach in XXXX. I asked them to provide proof of the debt and they told me that by the time they reach this point they don't have that sort of information, the person interrupted and continued to rudely say " stop talking '' in an intimidating manner. Date unknown : I received a suspicious call trying to collect a debt from a Capital One credit card. When I told them I needed proof they sent me an email with an amount due and no other information. I was told that " The Director '' would call me when I got back from lunch. I received no further communication and deleted the email as I always do with phishing attempts.
Company Response:
State: PA
Zip: 19406
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: 2023-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company has violated my rights and privacy as of XX/XX/2023 according to 15 USC 1681a ( 2 ) ( B ) by illegally sharing a personal experience of late payments on my credit report without my consent or request. My score has dropped over XXXX points due to this inaccuracy and is directly affecting my personal and business endeavors. I have reached out to Capital One/ Walmart numerous times to resolve this matter but have not been successful reaching an agent who is willing or capable of helping me.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A