Date Received: 2023-10-23
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: CA
Zip: 90280
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been having many issues with Capital One I recently started by using my card and making multiple payments through out the month and still getting charged Interest through the roof where it looks like I havent made triple payments on my accounts. I asked for a lowered interest rate a few months ago they refused. Today I went to make a payment on my account prior to their XXXX XXXX deadline but they had it locked where I couldnt even make a payment today which is my due date which makes the payment process the next day which in turn I will be charged a late fee. I tried to call and it took a very long time before the automated system even transferred me to live person and he was rude and started speaking in a language other than XXXX and refused to take my payment by this time it was XXXX XXXX! This is poor business practice and a trap to get more money out of the consumer and I need this reported and investigated because it is wrong on all levels! I refuse to pay a late fee when I always pay my bills on time and this will also affect my credit when I work hard to keep my credit score good and pay my bills on time. I am not happy that I have to spend this time reporting this but it had to be done. Capital One needs to be investigated and reported to the Federal Government for these poor business practices. I have tried to contact on multiple occasions only to get disconnected and have poor customer service representatives who do not care about the customer and just try to make as much money as they can off of the customer. This is illegal and needs to be stopped. Again all day Ive been trying to pay my bill and they locked it from being processed today and automatically switched it to tomorrow so it registers late and therefore a late fee and customer service was of no assistance and hung up the phone after saying something in another language.This is not cool or right at all..
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Capital one 360 closed my savings account with the balance of {$45000.00} on XXXX XXXX, and now it is XXXX XXXX. During these days, I have called the bank multiple times to inquire when my externally linked account would receive the fund, the representative said within one day or two, but I never received my fund. Their way of dealing business is like fraud, and the customer service didn't offer help at all, they were just being perfunctory and shamelessly hold my fund. They chose to close my account, no problem, but capital one 360 doesn't have any valid reasons to withhold my money for such a long time, I am losing interest everyday! In contrast, I have a checking account with them, in which I manually transferred {$200.00}, the fund arrived my externally linked account just in one day. I really regret being their loyal customer for 12 years! What a shame.
Company Response:
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
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: There was a fraudulent transaction on my account while I was in the hospital I it was numerous Charges while I was in the get medical attention notified the card company in XX/XX/XXXXin XXXX Would like some done about this issue XXXX to XXXX the person spent XXXX
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Capital One reported that it experienced a data breach and that the information reported is incorrect but they still continue to report 4 late payments on the 3 credit agencies XXXX, XXXX and XXXX this is a violation of my rights as a consumer. Please fix errors in my credit report and report me. I should not have 4 late payments.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Captial One is appearing under my credit score however I do not own this account. I did not open this account. I requested this account be closed or removed from my credit report. Issue remains unresolved. Capitol one customer support was contacted on XX/XX/2023 they found no records unable to find using my name date of birth nor social. This must be removed from my credit report.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Credit application denied ... .no follow up, etc Scams, unethical, retaliation, blacklisted blocked persecuted ilegally restricted victimized forgery Application about 3 weeks ago Identity theft, defamated
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX XXXX, my credit card information was used to purchase multiple flight tickets from many airlines without my permissions and the bank did not notify me of a possible fraud. I called Capital One and disputed the charges which added up to almost {$5000.00}. The bank identified that there was a fraud on the account and unusual activities. For some reason, the bank still holds me liable for a portion of those fraudulent transitions ( nearly a {$1000.00} ) and now asking me to make minimum payments with almost 27 % interest rate without a care about a breach in their security system that led to those fraudulent transactions to rack up no my account. I am looking for an immediate resolution and do not want to be held liable for something that I did not purchase. This account is paid off and there should be {$0.00} balance on it.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Last year the bank closed my bank account and held an amount of {$21000.00} that the bank supposedly returned to the SBA/ Department of Treasury for a distributed SBA XXXX XXXX XXXX To date, the SBA has been looking for this money to be paid back by me with interest ; SBA claims that the money was never returned to them and that Capital One took the money, and on one know what the bank did with this money. In my eyes, some one at Capital one took my money and claimed that they paid it back to SBA. This a theft and the money should be returned to me to SBA with interest. I had contacted the SBA to get a clarification of why they are asking for the money to be paid back when your institution supposedly returned it to them. I was told that the SBA had yet to receive the money. I asked the bank to provide me with a letter clarifying where the money went/was sent to or verifying that it was sent back to the SBA. For your reference, I have attached a screenshot of the SBA loan statement showing the outstanding balance. I appreciate your prompt attention and assistance in this matter. I look forward to hearing from you at your earliest convenience.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: someone is using my social security to apply credit card, i had a lot of inquiries, i would like to delete it
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A