Date Received: 2023-10-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Capital one savor card- when I realized there was an annual feee I tried to close account. Representative told me I would be refunded since I was within the window. Now the company is refusing to refund
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: CAPITAL ONE WAS INCONCLUSIVE AND EVASIVE OR NON-RESPONSIVE ON HOW I SHOULD CALCULATE THE TIME I SPENT TRYING TO RESOLVE THE LOSS OF {$11000.00} IN A WIRE FRAUD SCAM THAT TOOK PLACE XX/XX/XXXX. WHEN I FOUND OUT ABOUT THE SCAM XX/XX/XXXX, I CALLED CAP ONE TO ASK IF MY ID WAS STOLEN AND WAS TOLD BY A XXXX THAT IT WAS NOT. SO I CONTINUED TRYING TO FIND MY MONEY, HOW DID THE THEFT OCCUR, WHO WAS RESPONSIBLE. I WAS IN THE STATE OF NC PURCHASING A HOME. THE CONSUMER PROTECTION COMMISSIONER RESPONDED THAT MY MONEY WAS LOST THRU AN EMAIL SCAM. CAPITAL ONE HAD MY EMAIL ADDRESS ON FILE AS WELL AS MY PHONE NUMBER. I HAVE XXXX SUPPORTING DOCUMENTS TO SUBMIT, CAP ONE WANTS TO REIMBURSE ME ONLY {$700.00}. THEIR XXXX 'S HAVE NO ANSWERS TO MY QUESTION OF HOW DID CAP ONE COME UP WITH THAT REDICULOUS NUMBER. I have over XXXX of documents, XXXX folders & over XXXX files I created in 3 years trying to find my money.
Company Response:
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Capitol one hard inquiries I did not authorize to run my credit. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Capital one auto finances said that I was late 3 days on my auto loan last year however instead of added a late payment the next month or the current month of the so called late payment the company waited till XXXX of this year to add it on to my loan. I asked them to remove it and said they are not allowed to just add a late payment fee when they would like to and I was on the phone with a manager who acted like he did not understand English. I said it very plainly that you are not allowed to add a fee when you feel like it and that it needed to be removed but they have had more than enough time to remove it but they still have not remove the fee. This is not correct. I even went as far as asking if my account is on auto pay how did I even end up with the fee and he could not communicate that effectively as well. So since the manager acted like he did not understand what I was saying I simply asked for the late fee to be returned and he said he would have someone reached out to me and that was in XXXX of XXXX and no one has contacted me yet.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have a XXXX account that shows me whenever there is a credit inquiry, expense or deposits. It also shows me a credit score for XXXX and XXXX through use of XXXX XXXX calculations. I also pay XXXX every month to report my rental and utility payments to rating agencies. They also show me my XXXX XXXX XXXX using XXXX XXXX calculation. Based on these and suggestions from XXXX app, I applied for Capital One XXXXXXXX XXXX deposit Secured Card in XXXX. They sent me a letter asking me to submit id proofs and proof of address. I faxed these around XXXX I faxed them twice as they also demanded another additional proof of utility payment. When they did not respond after 10 working days I called them on their customer care number and was informed that backoffice could not identify my face clearly on the DL that I faxed. I was told on XXXX to fax it again before end of the week. I received an Adverse Letter from them stating my credit score was not present and also my application was incomplete. They sent this via email by XXXX XXXX on XXXX without waiting for me to refax my documents as per their request. Since they did another hard inquiry for the same score, I lost further points on XXXX according to XXXX. They still show that I am eligible for CapitalOne credit card. Either XXXX XXXX and XXXX using XXXX XXXX calculation and giving me XXXX credit score of Good as attached is WRONG OR Vantage XXXX calculations are WRONG OR Experian showing my credit score of XXXX on all XXXX rating agencies is WRONG. In any case CapitalOne had access to all these reports and despite knowing my XXXX rating was XXXX they still performed another hard inquiry and kept my documents illegally, kept me waiting and not letting me know the status of application accurately despite me calling several times and then incorrectly responding. They played with my emotions and harassed me all this long just to ignored a credit card application that they never intended to approve. If CAPITAL ONE is lying about my XXXX scores being Invalid or Non existent, then XXXX XXXX, XXXX and XXXX XXXX are all culpable of this crime in falsifying records and present incorrect information to consumers to just make sure they sell Credit Cards of unsavoury unprofesssional companies like CapitalOne. Why else will they be offering me Capital One Card eligibilty on their apps when the score is non existent.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a Kohl 's store credit card with a credit limit of {$300.00}. On or around XXXX, I received my statement via email showing that my current balance was {$210.00} with a total minimum due of {$49.00}. On XXXX, I made a {$300.00} dollar payment using my XXXX checking account. The payment confirmation number for that payment was XXXX. On XXXX, I made another payment in the amount of {$75.00} from my XXXX checking account. The payment confirmation number for that payment was XXXX. On XXXX, I made another payment of {$70.00} using my XXXX checking account. The confirmation number for that payment was XXXX. After making the payment in XXXX my complete account balance was paid off and on the Kohl 's app, it showed that my available credit was {$300.00} however on or around XX/XX/2022, when I was trying to use my Kohl 's credit card in the store to make a purchase my card kept being declined. So, I made a call to the customer service department and I was told on that day that my account had been closed not charged off. So imagine my surprise when in XXXX I received a statement stating that my account balance was {$560.00}. On or around XX/XX/2022, I made a call to Kohl 's credit card customer service department and I told her that there was no way I still owed that much money when I had paid off my account back in XXXX, and my account was closed. The representative tried to tell me that my payments were returned by my banking institution and I told the representative that there was no way the payments were returned because the payments were on my bank statements every month that I made the payments. The representative then placed me on a brief hold to review my account. When she returned on the line she told me that she was able to see where I had made several payments on my account which totaled {$450.00}. I then asked her how was it possible that I owed anything if my credit limit was only {$300.00} dollars. The young lady became confused and told me that I would need to dispute this through the credit bureaus. So I submitted my dispute through XXXX and a couple of days later XXXX came back with results stating " consumer disputes balance '' The account was charged off even though when I filed my dispute through XXXX I provided them with all 3 months of my bank statements plus my payment confirmation receipts for all three payments made. Kohl 's refusal and now XXXX refusal to fix these errors have negatively impacted my credit score since XXXX of XXXX up until the present day by showing that I still owe them {$560.00} with my account in charge-off status even though the account was closed in XXXX of XXXX. Kohl 's has been inaccurately reporting my payment history to the credit bureaus. From XX/XX/2022 up until XXXX they reported that I paid on time which again is inaccurate because my account was closed in XXXX. So, I really don't understand how payment is reflected as being paid in XXXX and XXXX, in XXXX it shows that I was 30 days past due, and in XXXX it shows I was 60 days past due however on my account on the Kohl 's website it shows that I made a {$450.00} dollar payment on XX/XX/2022, which is also incorrect. I made a call to the customer service department on that date because I was still getting statements saying I owed them money when in fact I paid off my account balance in full 4 months prior and the account was closed.
Company Response:
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I think someone is using my social security # and open a XXXX XXXX credit card and now is delinquent and is affecting my credit report This is not my answer it has never been XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: MI
Zip: 48195
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The company I'm disputing is Venture One Capital. I called the company to dispute a late payment, which was not actually late, just under the minimum. Prior to this I had recently signed on with a XXXX XXXX company, XXXX XXXX, I believe the date was XX/XX/XXXX of XXXX then ended the agreement with them on Tuesday, XX/XX/2023, choosing instead to pay my credit card bills myself as they came in. In the meantime, on the recommendation of XXXX XXXX, I was advised to pay a minimum of {$35.00} for the next XXXX months. Instead, I paid {$660.00} in XXXX, then switched all my accounts to autopay {$45.00} in XXXX and XXXX, and then, deciding that I wasn't going to use XXXX XXXX anymore, I paid Capital One {$2500.00} in XXXX. But, I actively went on and changed my payment to {$2500.00} in XXXX, and forgot to change the autopay off of {$45.00} like I did for every other CC company. So they received {$45.00} in XXXX, and to their credit let that payment go without a late payment, but they also never mentioned to me that it was under the minimum, and XXXX, which was under the minimum of {$230.00}, I got flagged for. But I called them, explained my situation, that I had simply forgotten to turn the autopay back up to {$300.00}, or {$350.00}, whatever I was paying before. And then proceeded to pay {$850.00} in XXXX when I realized what I had done. And their " account as not paid '' that month of XXXX is simply destroying my credit right now. It used to be near XXXX and now its in the low XXXX. And if you look back, I had never missed a Credit Card payment, nor car payment, nor mortgage payment in my whole life. Ive been an adult for XXXX years and have had XXXX of payments in my lifetime, not XXXX of them was ever late. Until now. I also have my XXXX XXXX Capital One card that I never spend any money on, kind of an emergency card, and I received no word at all, whether it be via phone call, or letter, that my XXXX 's membership would be charged to this card, nor that my XXXX 's membership was due for renewal, and it charged my XXXX 's renewal to that XXXX 's Capital One card, and I didn't even know until I got a bill from them saying I was overdue on this card, that I had been charged. So, naturally I paid the {$110.00}, but got charged a {$29.00} fee plus {$1.00} in interest, and this was unbeknownst to me until I got another letter from XXXX 's Capital One saying I owed an additional {$100.00} in late fees. I don't know why I never got any letter saying my XXXX 's membership was about to be charged to my XXXX 's Capital One Card, nor do I know why they sent me additional letter after these charges were due, or why they felt the need to make an extra {$30.00} in charges all the way up to {$100.00}. Also... on top of that, Capital One still sees me as a person who's doing business with a credit repair firm like XXXX XXXX, even though Im obviously paying above the minimums and have been for a while, so I can not use any of my CC 's, so you'd think this would include my XXXX 's Capital One card. Guess not. And not only that, but I tried to sign up for online payments, and at least to have me XXXX Capital One Card be seen online so I could see if any payments were needed, and to set up auto-pay, but time and time again I tried to do this, and when I go to add my XXXX card to my other XXXX, it says I have XXXX options.either I have a capital one card, or I dont, so every time I put, yes I do, it wouldnt allow me to add to XXXX card to my online catalog. I had to call in to have someone help me with this.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Is a Capital One credit card that I have been trying to pay for the last 5 years and each time they increase the interest rate which is extremely high. I tried to work with the company and they told me they can't do anything about it. It has been so many years and I can't oay off that credit card.
Company Response:
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A