Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize Capital One to go and do inquiries on my credit report
Company Response:
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
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/XXXX we purchased a pool for {$1200.00} using a Capital One Walmart credit card opened that same day. The pool was returned and we received three XXXX XXXXXXXX on XX/XX/XXXX in the amount of {$210.00} one on XX/XX/XXXX for {$530.00} and one on XX/XX/XXXX in the amount of {$210.00} for a total credit of {$970.00}. Walmart is saying that's the full refund and we have called and talked to numerous people all who say different things. We then disputed the amount of the refund directly with Capital One who is saying we haven't proven our case even though all the numbers are right on the statements. We returned this pool and yet we are not be given our full refund owed.I am beyond frustrated that a company can do this.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize XXXX XXXX to go and do inquiries on my credit report
Company Response:
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: This account was originally opened on XXXX That is now 18 years ago. However, Kohls continues to report this account. This account had been in dispute and is now resolved and is closed. I am in the process of selling my home and purchasing a condo. This item is hurting my credit.
Company Response:
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check in my account on XX/XX/XXXX and i was informed that the funds would be available on XX/XX/XXXX. I went to the bank on XX/XX/XXXX and i was informed that they could not link the attorney who issued the check to his law firm. I was informed by Capital One Bank that there was a restriction on my account and they could hold my funds until. Today is Tuesday XX/XX/XXXX the bank has been holding my check for over a month and they stated they don't no when it will be released. PLEASE HELP ME?
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Complaint 1 : Advertising and marketing, including promotional offers ( misleading advertising ) On XX/XX/XXXX, I had a hard pull on my credit with Capital Ones pre-approved refer a friend program ( see copy of text from my friend that sent to me attached ). Capital One indicated in the documents Ive included ( attached with this complaint statement ), there would be no impact to your credit score, plus no credit score required to apply. This is definitely misleading and inaccurate as it ended up being a hard pull and my score dropped by 3 points as a result. Please review the two copies Ive included and complete the necessary investigation, and correct my score based on Capital Ones claim no impact to your credit score. Complaint 2 : Problem with credit report and credit score The Capital Ones SavorOne credit card was recognized by XXXX, XXXX, and third party XXXX XXXX on XX/XX/XXXX with {$10000.00} available credit added to my credit amount line on Credit Karma. However, the XXXX XXXX XXXX credit card is no longer on the XXXX XXXX 's app after XX/XX/XXXX due to it being removed from XXXX. This may be due to my date of birth being incorrect, per the Capital One agent I spoke to. As of XX/XX/XXXX, Capital One has corrected my birth date and has updated my XXXX credit card account in their system. What I have done to resolve the issue : I have contacted Capital One about the above issue and their wasn't any satisfactory resolution offered and their reason was very misleading to and with XXXX Ones pre-approved refer a friend program.
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance to the fair credit reporting act. This creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received no warning or information that all of my bank accounts would be frozen with Capital One. When I called, they let me know that they can not provide me any information as to why my accounts got shut down, but due to an internal review I can't bank with Capital One anymore. They let me know I would recieve a check in the mail of my available funds in my checking account within 7-10 business days. It has now been 14 days. I called again and they told me that my account is just under review, but hasn't been closed yet and that once it closes, then they'll send me my money. They can't tell me why my account is under review, or when it will be done being under review. They said at this time, they don't know when I will have my money. They are withholding my money for an indefinite amount of time, and not giving me a reason why.
Company Response:
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. CAPITAL ONE XXXX.
Company Response:
State: FL
Zip: 33155
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company said that they will remove it for my XXXX but its still on my XXXX report.
Company Response:
State: CA
Zip: 92411
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A