Date Received: 2023-10-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Yesterday I looked at my credit card balance with Capital one. I seek that XXXX $ was added onto my account paint my bill down that I owed to them. I could not pay the bill at the time because my father just passed and I could not work because I been mourning his loss. When I first started with Capital one they told me that I would get my security deposit back without a problem. They placed my security deposit to my bill without my permission resulting in me not able to pay other bills because I was waiting on the money for months now. Soon as I started not to pay they closed my account on the XXXX of XXXX. They did not give me any kind of letter or notification stating my account was going get closed. I never gave them written consent to close my account either. They lied to me about my security deposit of {$200.00} to fund this account stating I would get it back. They stole from me and didnt give me no time at all. I know my account has been non active or no payment came because Im in mourning they were supposed to honor what I told them and they didnt. I was just on the phone with a manager he was over talking me the whole time and did not let me get my thought out and stated we can use your deposit without telling you and give you no notification for non payment. How can they do that to a consumers account without any written consent. Now I have another account with them and the bill is the same way because Im still mourning. I cant go back to work because my mental is messed up losing a father is tough on me XXXX cant do it some days. Im on public assistance also with me being XXXX so I couldnt pay anyways. They did not help me at all nor did they send notifications of this action.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 XXXX XXXX XXXX added a {$71.00} ( 2 % ) surcharge fee to a repair bill of {$3500.00}. The bill and fee were both unexpected as the original estimate was for around {$600.00}. The revised estimate was sent as an email and text the day before as an urgent request. As I was working, and as we wanted the work to be completed that evening, I quickly approved the estimate. After work I called to check on the status of our car. After calling three numbers without anyone answering I left a message. A while later I received a call back from XXXX who said the work could not be completed as they were waiting on a part. I asked if we could delay the repair and they said they had already taken the car apart and that it would be completed the next day. We picked the car up and were informed about the additional fee for using a credit card. I asked XXXX about the policy and they said they added it the month before because the credit card companies raised their fees and that they were merely passing the cost through. We pay off our credit card bill each month but adding {$3500.00} is too much for us to pay this month triggering an additional credit card fee and interest payments over 20 %. In effect, we are being punished twice : once by XXXX and by the credit card company. XXXX indicated they are simply passing the fee on to the credit card company and suggested we complain to them to reduce their fees to XXXX. It feels like we, the consumer, is simply being used to as a lobbying tool in a political game. The convenience of paying by credit card benefits both the consumer and the business. They do not have to hire additional staff process to checks, check Ids or count cash. While businesses pay a transaction fee to the credit card companies the benefits of credit card payment are well known. They allow a quick buy-now pay-later incentive for customers to purchase products and services immediately with the credit card companies handling the transaction and actual customer payment notification and billing -- again, reducing the need for businesses to have additional staff devoted to these costly tasks. Note that banks, not XXXX or the credit card companies, handle fraud and other non-payment activities -- again, reducing the need and cost to the business. ( see : XXXX XXXX XXXXXXXX last visited XX/XX/2023 ) It's not clear to me why, or if, the credit card companies have raised their transaction fees on businesses like XXXX. XXXX and XXXX are both very profitable. Their profits rise with inflation -- as the cost of products rise, their revenue increases as the fees are based on a percentage -- possibly XXXX is confused by this. While the amount the credit card companies receive is greater because of inflation, the percentage remains the same. There have been both a small increase and some decrease in interchange fees last year, but this impacts both credit and debit cards, and XXXX is only charging for credit card transactions. Finally, it has been a banner year for credit card companies with revenue and net income rising 8.3 % ( see : XXXX XXXX XXXXXXXX last visited XX/XX/2023 ) My complaint is that the 2 % convenience or surcharge is unfair and should be dismissed. We attempted to notify Capital One online to report the problem and the response was : XXXX - Report a problem : We've hit a snag. Looks like we need to fix something, so we're working on it. Try again in a bit.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-10-31
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: I am filing this complaint to CAPITAL ONE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Company Response:
State: TX
Zip: 77584
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: Charged upfront or unexpected fees
Subissue:
Consumer Complaint: I sent my award letter from SSI to the 3 party debt collector stating Im endigent cant pay because of my income.
Company Response:
State: PA
Zip: 15206
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: Card opened without my consent or knowledge
Consumer Complaint: I got a letter from capital one stating they were sending my account to collections. With this particular card Ive never received statements of any kind from capital one and I checked my credit report and seen someone opened it without my consent or knowledge. Contacted capital one and they are doing an investigation and I filed a police report as well. I disputed this also on my credit report.
Company Response:
State: OH
Zip: 453XX
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: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I canceled card and requested just the balance owed so I could make payments to pay it. My original balance was XXXX but they keep sending Bill 's with more interest and emails. It is up XXXX now. I am a very low income XXXX who lost my job do to a XXXX. Need help with this please. These letters and emails are causing me too much stress and making me ill.
Company Response:
State: CA
Zip: 93117
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX XXXX XXXX of Capital One XXXXXX/XX/XXXX XXXX, VA XXXX RE : See Attached XXXX XXXX XXXX, I am writing to dispute a charge of {$75.00} to my credit card account on XXXX, XXXX. The charge is in error. I call Capital One every year for the last three years to dispute this charge. My daughter XXXX used to have an account with XXXX to use XXXX XXXX. She cancelled that account several years ago when she graduated college. But each year XXXX charged her credit card with Capitol One, in XXXX. Last year I call Capital One and complained about the charge, they advised to cancel her credit card and they would send a new one with a new number. We did that. This year XXXX charged her card again for {$75.00}. I call Capital One and disputed it again, they reversed the charge and they put it back onto my account again on XXXX. Capital one sent me paperwork showing XXXX charging my account again with a card ending in XXXX. The new card my daughter received last year ends in XXXX. I called Capital one and asked how they could make a charge on my account with a card that was inactive since XX/XX/XXXX. They said they can not do anything about it that XXXX is entitled to their money and they can charge the new card. I explained to them that Capital one advised me to cancel my daughters card and get a new one so this doesnt happen again. They refused to help me. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. This is obviously fraud on your end. Enclosed are copies payment records, and transactions supporting my position and experience. Please correct the error on my account promptly. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The balance was paid in full, but it is still on my credit history.
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted the debt collector company and capital one to state this acct XXXX opened on XX/XX/XXXX from the debt buyer with a total {$1800.00} past due as of XX/XX/XXXX. This charge was identity theft and they will not remove it. Theese are the companies below that it was reported to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Hello, my name is XXXX XXXX. I am writing as a result of poor customer service and account handling of Capital One. I Redeemed XXXX miles for a honeymoon flight. Unfortunately, we were forced to miss our flight due to an emergency XXXX. I required for removal of my XX/XX/XXXX. I called capital one to inform them that this trip with no longer be possible and that I could provide any proof necessary of my XXXX I called on XX/XX/XXXX and was directed to call the airline to have this taken care of. The airline, however, referred me back to capital one. I called again on XX/XX/XXXX and spoke with a supervisor, XXXX, who refused to escalate my call further, and was adamant that he was the only person who could handle the situation. I requested the office of the president many different times during this call I did not receive any empathy for the situation and asked if this is worth losing a XXXX year customer over, to which they replied this is not our intention but we understand. I was not provided any specific terms that justifies refusal to reimburse me for the full amount of the flight that was missed. I tried to rectify this after the XXXX and before the flight was scheduled to take place. I feel that the stress the situation is causing me is a direct result of inadequate training and lack of people skills amount this company.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A