Date Received: 2023-10-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am a Capital One XXXX XXXX XXXX holder. Per their advertising pitch, they re-imburse XXXX XXXX Fees of {$100.00}. On XX/XX/23, I called Capital One to confirm that my XXXX XXXX application fee of {$100.00} will be refunded to me AS PART OF A CARD MEMBER BENEFIT. I was told by the representative a rebate of {$100.00} will be credited after a few business days. As of XX/XX/23, almost 4 months later, Capital One has not yet issued the rebate.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, After accessing my credit report from all 3 credit bureaus, I am upset to find several hard inquiries that I never inquired about nor gave my information to run these credit checks. The information for the inquiries is below : 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 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 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 Many of these inquiries were done on the same day or same time and it looks like someone was trying to take out a car loan or personal loan in my name. I did NOT give my permission to any of these companies to run my credit and these were done fraudulantely without my consent.
Company Response:
State: MI
Zip: 48116
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have called this company multiple times over the past 6 months or so. They refuse to even consider speaking with me about the account even though they have all of my information and opened the account. The issue seems to be identity verification. I am only missing XXXX piece of information which is a copy of my social security card. Because of this and only this the company is unwilling to speak to me about the account including disputing a fraudulent charge on the account in the amount of approximately {$200.00}. Because of this issue the balance has ballooned to {$380.00}. This is the credit card company 's issue because they have been unwilling to speak with me about the account but keep demanding payment like clockwork.
Company Response:
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX, I unlocked a credit freeze on my account to apply for a credit card with an unrelated bank. Whether coincidence, tracking cookies, or credit monitoring, Capital One sent me an offer within a two hours of applying for the unrelated card. While I didn't necessarily need another card, the offer ( uploaded ) was for a XXXX card with a {$300.00} cash bonus if {$500.00} was spent within 90 days off account opening. I received a XXXX card soon after with a {$500.00} limit reflecting a counter-offer. Upon spending the {$500.00} minimum, I inquired a month later ( via phone ) regarding the status of my new account reward. The representative told me that sometimes the " promo codes '' drop and she would submit the request for review. Over the next month or two, I called back three additional times for an update. On XX/XX/XXXX, I spoke with XXXX ( Employee ID # XXXX ) who told me I was not eligible for the bonus ( no written or proactive communication was provided and if I had not called a third time, I would never known of Capital One 's decision. I told XXXX I that the card I received was a XXXX card which aligned to the email offer. He stated that there were different types of XXXX cards and the only I received was not eligible. The terms & conditions of the offer do not make a distinction on " different types of XXXX cards ''. When I asked where I could send documentation to be reviewed, he stated there was no address other than XXXX XXXX and he didn't know if that department could help. I would request that Capital One honor the attached offer. Additionally, I would also request the CFPB review Capital One 's promotional policies. If this is happening to me it would have to be impacting 100s if not 1000s of others who may just accept " There is nothing you can do '' as an answer.
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This company is contacting my family members and job. They threatened to have me arrested. This debt is 20 years old.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX, My name is XXXX XXXX and have an issue with Capital One 360 checking account. I was a client with a Capital one 360 checking account. I was a victim of a fraudulent transaction and ended up depositing a check in the bank due to which my account was closed by the branch with immediate effect. A check with the remaining balance was issued by Capital One and I was advised they do not want to keep any relationship with me. I have not received the check yet. I informed the bank that I was a victim to and not a person creating the scam and it was a huge accident that happened due to which the check was deposited. The bank advised me I could not have any relationship with them and closed my account. My question is what are victims of fraud supposed to do for no fault of theirs? Federal law only says banks can close the account for reasons but nothing like victims of fraud. The amount was a basic {$1800.00} and not a XXXX of dollars. I did explain my point of view to the Capital one staff, They kept giving me stereo-type answer there is nothing they can do it's all decided by the head office. Can someone please look into this, As the reply honestly seems inappropriate as I am a victim of fraud and not a scamster, and the closing of this bank account causes me a lot of inconveniences. Regards, XXXX
Company Response:
State: GA
Zip: 31768
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: We purchased an auto from XXXX XXXX XXXX of XXXX. After the purchase, we discovered fraud in the sale of auto. We then requested the Loan Agreement from Capital One Auto Finance : XXXX XXXX XXXX, XXXX, Texas, XXXX, via certified mail on XXXXThey refused to send it. We then complained to the Office of the Controller of Currency, who then advised us to call via phone and make a request for documents. They still refused to send documents.We complained again to Office of Controller of Currency. XXXX XXXX XXXX then sent a loan agreement that was mostly unable to read, not legible ie partial pages font size greatly increased making it impossible to read. We feel this is in retaliation for filing a complaint to the O.C.C. We need this Loan Agreement to complete this investigation for further fraud. asap.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
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 someone hacked into my account and charged almost {$1000.00} worth of merchandise. They were able to change my address, phone number and email. Kohls company finally caught on when this person tried to up my credit. That day when Kohls called me to verify if it was not me, I opened a fraud claim. The company informed me it would take 60 days for the claim to get handled. Every week I call to see if the claim has been resolved, every week the fraud department informs me how they made a mistake and now they have to open a new claim and the time has been extended. First mistake was they dismissed the claim because they were able to cancel some of the charges. The second mistake was they did not include all the charges. I have even sent an email to the fraud department with my police report. Now it has been over two months and my credit has been impacted by their negligence.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for a Credit Card earlier this month and received an email on XX/XX/2023 saying I was denied my securities when I contacted they company to get a specific reason as to why I was being denied my God Given Right to Credit As Granted to me by the Equal Credit Opportunity Act. I was given Misleading in False information until Finally, I was directed to the submit a complaint on behalf of me being denied my securities. I have yet to receive a response.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: To Whom It May Concern : I have submitted disputes to XXXX over 12 times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE 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 The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Company Response:
State: FL
Zip: 32757
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A