Date Received: 2023-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX a XXXX payment from XXXX XXXX was frozen ( actually the entire account was frozen ) due to this person saying the transaction was fraud. I contact capital one. I advised I have all the evidence from the person who sent the money that it was not fraudulent. I even have a message from him saying he told his bank to pull the transaction complaint back and yet capital one still paid him back the XXXX and closed my account completely. How can they give money back to someone who agreed it was not fraud and their bank asked for it to no longer be disputed? I want my money back as it was an authorized transaction from XXXX XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i was trying to inquire about house to buy with option to rent, they check my credit reporting and made me aware of various inquiries that do not belong to me. Due to my reporting showing this item, I am unable to move forward on my daily living.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Received a letter that a online application was submitted on XX/XX/2023. I did not apply for any credit with Capital One or any other credit card company.
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I initially reached out to Capital One Bank before XX/XX/XXXX to alert them that I would not be traveling to XXXX XXXX on XX/XX/XXXX and to prevent the authorization of any transaction from the hotel. When I called the bank I was told by the agent that there is nothing they can do, and that the charge would have to post to my account before I could dispute it. Although I was dismayed by that response, I was assured that I would be able to dispute it, especially as I was not traveling to the country and no one required the reservation I was being charged for. While nothing could be done, I reached out to XXXX where I used my card to make the initial reservation to request a cancellation of the reservation as the hotel still had ample time to cancel the booking, and also NOT to charge me for a trip I was not going on, as I had only held the reservation for a friend. After not hearing back for several days, XXXX XXXX communicated that they refused to cancel the reservation. However to add insult to injury, the hotel placed the charge and hold on my credit card for {$210.00}, 2 days before my scheduled arrival date of XX/XX/XXXX after learning that I would not be in the country and did not need the reservation. As a long-standing Capital One customer, I can not in good faith believe that as a financial institution entrusted with peoples funds that my phone call requesting this charge NOT be authorized, knowing I would not be in the country was ignored. After filing XXXX claims, being on hold for several hours ( amounting to at least XXXX hours if added across the different times I called ), even months after this entire ordeal took place I was only able to speak to XXXX customer service representative IN the United States. This person assured me that they would escalate my claim to which I waited to no avail and heard no response. My first request is that there be a thorough review of the recorded calls on my account regarding this matter. It is unethical to know that a bank I trusted for well over 10 years allowed {$210.00} of my money to be paid out for a service I did not use, when they were alerted that I would not use it, told not to authorize it, and requested to consider the evidence presented. Regardless of the policies under which I entered my debit card number on XXXXthe abject and outright inability for XXXX XXXX to have grace and extend common courtesy and for Capital One to double down on that decision and not fully protect my funds knowing I did not use this service, was not in the country, and called them to tell them not to pay it reflects the choice to financially punish me for an honest mistake that I tried my best to prevent ahead of time. It also reflects the current state of affairs of prioritizing profits over people and businesses siding with XXXX another to the detriment of real people working hard to survive and try to maintain integrity. In my communication to Capital One, I also asked that I not be issued a reversal credit during the investigation because I truly believed that Capital One would handle the representation of my finances, and because I did not want to have issues with overdraft regarding the amount in question.
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On or about XX/XX/XXXX consumer found out that Capital One Credit CorpXXXX closed account. Consumer has been a Capital One customer since XXXX with timely payments and no adverse activity. Account ( s ) were closed without explantation and company will not respond to any request to provide lawful reason ( s ) for account closing. Consumer alleges that account was closed for discriminatory lending practices by Capital One Credit Corp.
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: 2023-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check on XX/XX/XXXX at XXXX pacific time. The anticipated deposit date was set to XX/XX/XXXX. On XX/XX/XXXX at XXXX pacific time, capital one emailed me that my funds will not be available until XX/XX/2023. The customer service agent I spoke with said he had to get me to another department. I am still on hold. There is no quoted time of how long someone will be. There are also no capital one locations where I can go and speak with someone about this.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
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: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. on XX/XX/23 i requested I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. on XX/XX/23 i requested This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX XXXX XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately on XX/XX/23 i requested Chargeoff Balance Error This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. this credit failed to do a investigation, failed to update the comment section on all three bureaus, the bureaus failed to remove this account from my report due to no reponse from the creditor, my comment section on my credit report is the exact same since i started my disputes. The creditor has not uodated me with what i requested and failed to do a proper investigation. this creditor has a balance with a charge off, late payments on a charge off, different dates last active, please remove from all three bureaus immediately
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A