Date Received: 2023-10-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I closed my account on XX/XX/XXXX. I did not receive any confirmation so I called Capital One to confirm and inquire about my {$200.00} deposit. I was told that if I called back on XX/XX/XXXX I could request a paper check be mailed to me ( this is the only method they seem to have for issuing refunds ). I called today ( XX/XX/XXXX ) and was told to call back in 3-5 days and request the paper check again. I was also told that if I had never called to request a refund ( because I asked about this ), in 6 months a refund would have been issued. I CAN NOT IMAGINE THIS IS ALL LEGAL>
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 XXXX sent an email stating that Capitol One initiated a Hard New Inquiry XX/XX/2023 I contacted XXXX and spoke to a representative. They don't know why a credit inquiry was initiated and suggested that I contact Capitol One directly. XX/XX/2023 I spent several hours calling two different phone numbers for Capitol One. I was not able to get through to a person to discuss the issue. Capitol One does not publish an email address. There is no information on their web site for issues with unauthorized Credit Inquiries.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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 contacted Capital One on XX/XX/XX/XX/XXXX... .. disputing {$1900.00}. To whom it may concern- Please note that services regarding the charges were for goods thats were not delivered as agreed and advertised. Please see where attempts were made regarding purchases for a specific app with XXXX and the game kept crashing and several charges were made and duplicated on several receipts to make combined charges. I have asked the developer and XXXX to reimburse me or credit my debit card and keep getting the run around. The developer of the app is also turning customers into test customers without notification or updates to the customer. The developer has also had major glitches in the app and support is not supportive with fixing the issues. I also reached out to support on the issues throughout XXXX and XXXX. I have told them that I have contacted my bank and have started a dispute requesting a refund. XXXX was also contacted on XX/XX/XXXX and XXXX before I contacted Capital One for a refund. The apple excuse is not eligible for a refund with no other explanation. I do not want XXXX to be able to charge my debit card with Capital One any longer moving forward as they you can not get an individual on the phone to speak with and they do not communicate back with specifics. Please see all attached documents regarding these purchases and efforts to get refunded first without trying to involve the bank. Merchant ( s ) Date ( s ) Amount ( s ) Information Needed XX/XX/XXXXXX/XX/XXXX {$56.00} {$64.00} {$48.00} {$27.00} {$32.00} {$32.00} {$54.00} {$41.00} {$27.00} {$48.00} {$81.00} {$51.00} {$16.00} {$100.00} {$16.00} {$59.00} {$46.00} {$27.00} {$75.00} {$48.00} {$29.00} {$64.00} {$32.00} {$160.00} {$54.00} {$54.00} {$280.00} {$340.00} *Original receipt or contract *Date of cancellation, return, or expected credit *Expected date of product or service *Description of product or service not received *Proof payment was made another way *Date and amount of valid charges on this debit card *Efforts to resolve dispute with merchant *Reason for cancellation or return *Merchants terms and conditions or return/cancellation policy *Amount of credit due *Reason due a credit *True nature of dispute *Copy of credit or voided receipt
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I don't know how to go about fixing this problem, I currently am not able to speak due to my XXXX XXXX XXXX. I would like to set up a plan to pay this debt off. Thank you
Company Response:
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Your response is indication that you have furnished and shared my consumer report without my written instructions to do so, in violation of 15 U.S. Code 1681b ( 2 ) which is an unfair act pursuant to 12 U.S. Code 5531 ( c ) ( 1 ) ( A ). I also state you have taken unreasonable advantage of my lack of understanding of the terms and conditions of your financial products and services, in violation of 12 U.S. Code 5531 ( d ) ( 2 ) ( A ) being such actions is a abusive act I have not given you direct consent as a consumer reporting agency, thinking you as a financial institution are lawfully allowed to furnish my information when the agreement to your services took placed i believed it was legal and lawful I was misinformed and confused from your abusive acts misleading acts, Capital one bank response also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) obtained and used a consumer report for a purpose not authorized to be furnished under 15 U.S. Code 1681 ( b ) Capital one bank also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) no certified purpose in accordance with section 1681e of the FCRA Additionally, I believe that Capital one bank actions in this matter constitute an abusive act or practice under 12 U.S.C. 5531 ( d ) ( 1 ), as they materially interfere with my ability to understand the terms and conditions of my consumer financial product or service. Pursuant to 12 U.S.C. 5531 ( d ) ( 2 ) Capital one bank has also taken unreasonable advantage of my lack of understanding of these terms and conditions, as well as my inability to protect my interests in selecting and using this financial product or service, and my reasonable reliance on Capital one bank to act in my interests. In accordance with 12 U.S. Code 5536, it is unlawful for a covered person like Capital One to offer or provide a financial product or service that does not comply with federal consumer financial laws, or to engage in any unfair, deceptive, or abusive act or practice. I therefore request that you take any action authorized under 12 U.S. CODE CHAPTER 53 SUBCHAPTER V Part E to prevent Capital One from such actions Your account is currently in a cease and desist status. A cease and desist status means that we will not communicate with you to collect on any debt owed. However, we will still send you any communications required by applicable law, your Customer Agreement, or in response to a request for information or to concerns you raised about your account. This letter is being sent in response to your request for information and/or to address specific concerns you raised about your account in your submission to the CFPB. This is neither intended to be, nor is, an attempt to collect a debt. my account is in cease and desist means to cease communication through all forms, mediums including my consumer report, you have failed the requirements of the FDCPA failure to remove account may result in a lawsuit In your request, you indicated that you believe we should not be reporting your account to the CRAs. However, according to the terms of your Customer Agreement, we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report _Can you please show me the law that states is legal and lawful to report my information, because form my knowledge pursuant to the FCRA 15 usc 1681 ( 2 ) you may only furnish a report with the written instructions of the consumer, you can not make me believe its a requirement of law to furnish my report because that is not true Capital One is taking deliberate steps to respect individual privacy in addition to complying with privacy laws. To learn more about Capital One 's approach to privacy, including what information we collect and the options available to manage your personal information collected by Capital One, visit www.capitalone.com/privacy to view the Capital One Online Privacy Policy. Your response We understand you would like us to modify the information we reported about your account.Weve confirmed that were reporting accurate information. For this reason, we are respectfully declining your request that we ask the CRAs to change the information we're reporting about this account indicate you are willfully choosing to not follow the requirements imposed pursuant to the FCRA failure to remove this account from all consumer report agencies i may file a lawsuit
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act the following creditors ; CAPITAL ONE AUTO FINANCE, XXXX, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. Dates Reported CAPITAL ONE AUTO FINANCE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
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 erroneously made a {$3500.00} payment to my Capitol One account. I requested a check for the overpayment of {$3100.00}. My account was frozen a few days later. Capitol One requested a copy of my bank statement, which I found strange. My account is still frozen. Why do I have to provide Capitol One with my personal bank statement?
Company Response:
State: NY
Zip: 11361
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A fraudulent capitalone account was opened in my name inXX/XX/2022 acct # XXXX the contact information phone number adress none of it belong to me I disputed with the credit bureau and the creditor capital one I filed a police report identity theft report sent this information certified mail to prove this crime took place I then called to check on the progress of having it removed from my account spoke to 4 people before being told they were not going to remove it from my credit report when I have submitted everything required by the federal law and Fair Credit Reporting Act capital one still refuses to remove this item they are in violation of the Fair Credit Reporting Act
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Do not recognize inquiry from Capital One and XXXX on my XXXX credit report. Contacted the creditors and was instructed to dispute here.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A