Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have had numerous attempts of someone trying to open up credit card under my name. It's happened many times now.
Company Response:
State: CA
Zip: 90004
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: On both XX/XX/2023, and XX/XX/2023, I applied for a credit card with Capital One. However, to my surprise, I discovered that these applications resulted in hard inquiries on my credit report. Unfortunately, during the application process, there was no clear information provided that these applications would have a direct impact on my credit score through hard inquiries. Understanding that credit inquiries are a standard part of the application process, I believe it is essential for customers to be adequately informed about the potential consequences, especially when they involve hard inquiries that can affect credit scores. Regrettably, I did not receive sufficient information about this impact during the application process. I kindly request that you review my account and take the necessary steps to remove the hard inquiries associated with the aforementioned credit card applications from my credit report. Having accurate and transparent information about the impact of such inquiries is crucial for consumers, and I believe this adjustment is necessary to ensure fairness and transparency in the credit application process. If there are any further details or steps required from my end to facilitate this request, please let me know. I appreciate your prompt attention to this matter and look forward to a timely resolution. Thank you for your understanding and cooperation.
Company Response:
State: MA
Zip: 02127
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been reporting that this debt along with others are not consented by me. I have had my identity stolen and trying to clean up this massive mess someone left for me. This capital one credit card in particular looks like it was written off in XXXX however late payments are still being reported as the last one was XX/XX/XXXX. This is not my account and demanding it be removed. Also the reporting balance is higher than what the limit actually was. This account was opened using fraud and not by me. They may have my correct information but again was not done by me. I have been trying to fight this with no success. My identity was stolen and still dealing with the effects of it.
Company Response:
State: NC
Zip: XXXXX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a XXXX XXXX that was set up with autopay/auto debit. I was never notified that Capital One would be taking over for BJs XXXX in XXXX of XXXX. In early XXXX of 2023, I called XXXX XXXX and asked them to send me a new credit card because mine had expired. I never received a new card. On XX/XX/XXXX, I was charged an annual fee for BJs membership automatically, which should have been taken care of by the autopay. When Capital One took over the company, all auto payments stopped. I was never sent any communication about this occurring and it happened without my knowledge. I was never sent a statement or a bill. It was not until XXXX of 2023 when my credit was adversely affected that I investigated what was going on. I called Capital One at least XXXX times between XX/XX/XXXX and XX/XX/XXXX to rectify the issue. Each time I called, I had to explain the situation to XXXX different people but to no avail. I paid the balance in full and closed the account so it would not further hurt my credit. However, interest and fees wracked up monthly since that automatic charge occurred. So the initial charge of {$69.00} ballooned into {$240.00}. I had made no other purchases and I had not used the card at all. I am now in the process of buying a home and obtaining a mortgage. On XX/XX/2023, I sent a letter to the president of Capital One stating the following : Dear XXXX XXXX, Good morning. I want to share with you an unsettling situation that is impacting my ability to get a mortgage. I previously had a credit card with XXXXXXXX XXXX XXXXXXXX, and I was told by your customer service representatives that in approximately XXXX or XXXX of this year, your company took over that relationship. At this point, my account started getting paid through you unbeknownst to me. I was never contacted, emailed, or sent a paper bill or statement. XXXX XXXX charged their annual fee to the card that had been previously inactive, and it started accruing interest and fees, again, unbeknownst to me, until I checked my credit report in XXXX, which stated that my credit plummeted to XXXX from XXXX. Now I am being told by your customer service representatives that I need to send a letter to your Department of Credit Bureau Disputes, and I need to wait 30 days for a response, when I will be closing on my home in less than 30 days. The problem your company created by charging me erroneously could cost me {$100.00} per month additional, {$1200.00} per year additional, and {$38000.00} additional over the life of the loan for my home mortgage. This financial burden has been created because of your company, Capital One. How can you quickly help me solve this problem that I did not create? I would like to hear back from you by XXXX, or I will start the complaint process with the Consumer Financial Protection Bureau and the XXXX XXXX XXXXXXXX XXXX Department. I understand that these things happen. Unfortunately, I need a quick resolution to this, and I need your assistance with that. I did not receive a response until yesterday, XX/XX/2023 when someone from Capital One called me and told me there was nothing they could do. XXXX XXXX, I then called XXXX who switched me back over to Capital One and I was on the phone for an hour and a half explaining the same situation to XXXX different people, only to have them tell me that the only thing I can do is send a letter to their Credit Bureau Disputes Department, wait 30 days for a response, and then another 7-10 days for it to be delivered. I dont want any money back. I just want the derogatory alerts on my credit report off. They are saying I was late with payments, but I never made a charge, used the card to purchase anything, was never sent a bill or a statement via email or mail correspondence, and I just need to get this rectified. Before this happened, my credit was excellent, XXXX, and I paid every bill on time every time. Now my credit is down to XXXX. This will cost me so much money on my home loan, at closing, and will not allow me to get a good interest loan rate when rates are already so high. Any help you can provide in this matter is greatly appreciated.
Company Response:
State: NY
Zip: 11001
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I attached the letter and OCC complaint confirmation letter. I have sent this to Capital One via certified mail with a return receipt. XXXX. Capital One continues to break the law. Capital one has closed my accounts and restricted my access unlawfully. I am a consumer and the violation of laws has caused me injuries.
Company Response:
State: GA
Zip: 30044
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Company Response:
State: SC
Zip: 294XX
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: Problem accessing account
Consumer Complaint: I've opened a 360 Checking Account on the bank 's website using a public promo code XXXX XXXX XXXX and everything seemed fine initially until my account was restricted the very next day. An email from the bank stated that I have to submit ID verification in order to restore my account access. So I've complied promptly by submitting my Washington Driver 's License on XX/XX/ using the link in the email and was told that the issue would be resolved in 2 days. However, no response was received after a week so I've decided to reach out. I called the bank at XXXX XXXX XXXX hoping to speak with someone to get a resolution. A gentleman answered after a long wait and then tried to make the matter very hard for me. I was fine if he's just trying to make sure I'm who I'm, however he just kept going by asking way more questions than I would ever imagined. Half way through the process, he even asked me to submit my ID again although it was already done a week ago, and then, he went on by asking for my full SSN over the phone which I was reluctant to give away. I meant the bank already has that info when I've submitted my application. So I countered to confirm the last four digits only but he wouldn't budge and said he can't help me if I don't give the full SSN. During the call I was actually intimidated multiple times not only by his behavior but also by the so-called bank procedures. I thought he's finished until even more bizarre questions hit me like how did you hear about Capital One, why did you choose to open an account, how do you plan to use your account and so on, which made me felt like I may have gotten scammed by dialing the wrong number. So I double checked the number and even asked the agent for the number of his department, and no doubt, it is Capital One whom I was speaking with. Wow, what an experience from a reputable bank in America! I suspected that this call center may have been located overseas and understaffed, and the whole team there seemed to be poorly trained and treated to have resulted in the kind of service that I've received! Before giving up I decided to give it one more try on XX/XX/XXXX XXXX XXXX XXXX and it went into voicemail box for Customer Protection Resolution Team, so I left one with my full name, full acct number and phone number as instructed. Unfortunately, no call back was ever received.
Company Response:
State: WA
Zip: 98026
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: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have reached out to Capital One for some understanding in helping with lowering my credit card payments. I am a XXXX XXXX who has just lost her job. I plan on paying my bill but I need some late fees removed, interest payments, interest fees, and some late fees, as I paid my card twice in one month and was still charged as though I was late. I would also like to be able to remove all my late payments. Any and all help would be appreciated In this matter.
Company Response:
State: GA
Zip: 30213
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 your account
Subissue: Company closed your account
Consumer Complaint: ACCOUNT # XXXX We are not able to even check or are we getting/ receiving any information on this account they closed this account after we mailed a letter XX/XX/XXXX ( enclosed copy ) questioning an email we received on XX/XX/XXXX as a fraud /scam email. We have since written numerous letters and made numerous calls ( see just a few of the letters ( dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that only response we get is a letter that is mass produced stating account will remain closed*applicant is not responsive to communication. We have called numerous times/mailed numerous letters and only response we get is a letter it is closed. Nothing addressing all the issue we have asked or written. When we call, we are being told : Great customers, great credit, very high credit score, they would need to limit credit given and that a supervisor would call back. However, no one every call back, has left a message or has reached out at any time. We are still questioning entire account all chargers over entire duration of account, missing cards that we got three emails that they had been mailed, club points over {$300.00} that we can no longer access because of the account being closed, PAYOFF after entire account is investigated and corrected. Payments we have sent applied to principal as they stated correctly. This is discrimination since we are a married couple wanting a joint account, we questioned this and the email that we thought was fraud. We are not looking to reopen or are we interested in that at this point due the way the entire issue has been handled. We have been issued a joint account through another card with no issues and done very quickly. It also offers much better incentives and ones that are actually not just based on one company Cabelas which is also discrimination against people that dont use hunting products. Thank you to your immediate help correcting all the issues with this company.
Company Response:
State: VA
Zip: 226XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, to have them removed and haven't received a response. XXXX XXXX Cap One NA inquiry date 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 XXXXXXXX Cap One NA 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 XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry type Individual. Capital one requested on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A