Date Received: 2023-10-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/, XXXX alerted me to a hard inquiry on my credit report from Capital One Bank USA. I did not apply for this or ever authorize them to review my credit. I would like this inquiry removed ASAP.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Subject : Urgent Request for Credit Investigation and Resolution Dear Capital One Customer Service, I am writing to express my extreme dissatisfaction with the handling of my recent fraud case and to request an immediate review and resolution of the matter. I believe there has been a significant oversight in the investigation, and I implore you to thoroughly reevaluate the evidence and rectify the situation promptly. On [ date ], I reported several fraudulent charges on my Capital One credit card. I expected a comprehensive investigation that would uncover the truth and provide me with a fair resolution. However, I was shocked and deeply disappointed when, after just two days, my application was denied, and I was accused of being involved in the fraudulent transactions. I want to emphasize that I am not involved in any fraudulent activity and have always been a responsible and loyal customer. The speed at which this decision was made without proper examination of the evidence is deeply troubling. It appears that my case was not given the attention it deserved, leaving me feeling unsupported and wrongly accused. I kindly request that you reopen the investigation into my account and credit history to correct this grave error. I urge you to carefully review the evidence, considering all pertinent information and any additional evidence I may provide. I believe this thorough examination will reveal the truth and exonerate me from any involvement in the fraudulent charges. Furthermore, I request a transparent and empathetic approach to addressing my concerns. I expect clear and open communication throughout this process, keeping me informed of any progress or updates. It is crucial that Capital One takes my case seriously and demonstrates a genuine commitment to customer satisfaction. I have been a loyal customer of Capital One for [ duration ] and have always appreciated your reputation for excellent customer service. However, this recent experience has shaken my trust and confidence in your services. I sincerely hope that you will take this matter seriously and work diligently to restore my faith in your institution. I trust that you will thoroughly investigate this issue and provide a fair and satisfactory resolution. I eagerly await your prompt response and a clear plan of action to address my concerns. Failure to do so will leave me with no choice but to escalate this matter further. Thank you for your immediate attention to this urgent matter. Sincerely, XXXX XXXX
Company Response:
State: ID
Zip: 83713
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have tons of HARD inquiries from Capital One and car companies. I havent applied for either EVER
Company Response:
State: OH
Zip: 44121
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: 2023-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed recently for XXXX returned payments on another account. One of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Capital One advertises a {$200.00} new cardmember bonus if you applied and qualified for their XXXX XXXXXXXX credit card requiring excellent credit. I did that ( my credit score is XXXX, according to CapitalOne CreditWise ) and the card was approved on XX/XX/2023. After I fulfilled the {$500.00} spend on XX/XX/XXXX ( within the XXXX 3 months ) they refused to provide the advertised {$200.00} credit saying the card I applied for on their website did not offer the bonus. Case # XXXX was created by XXXX XXXX XXXX ) to research this. On XX/XX/XXXX I received an email from CaptialOne that stated, " We have reviewed your request to be awarded a bonus and found that your account does not qualify based on the terms of the product for which you applied. '' On XX/XX/XXXX I was told the Capital One phone supervisor XXXX that their computer system had a glitch and had me apply for another version of the XXXX XXXX Card that doesn't require excellent credit. However, the website where I applied stated " Credit Level Excellent '' below the card image. See : XXXX : XXXX After I was pre-approved, the webpage and email stated I'd receive the new card within a few business days which I did. No notice that card did not have the advertised {$200.00} new cardmember bonus attached to it. No replies from Capital One to any of my emails or voiced complaint about their website glitch : apply for card with excellent credit but get approved for a card which doesn't require excellent credit and doesn't have {$200.00} new card member bonus. Please refer to uploaded doc which is contains all relevant emails. Copy/paste of last email sent : On Sat, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : Case # XXXX Please post the ADVERTISED {$200.00} rewards credit to my XXXX XXXX cardending in XXXXand confirm via email. Kindly read previously sent email ( below ) for which there was no reply CFPBXXXX XXXX, FTC and socialmedia complaints in progress and will be filed on Monday XX/XX/2023 Thanks for your consideration XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed recently for XXXX returned payments. XXXX of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from Capitol One Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the Capitol One Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. On XX/XX/XXXX I called both XXXX and XXXX to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.
Company Response:
State: UT
Zip: 84078
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I use BJs gas a lot so I got a credit card at the suggestion so a BJs associate. The dont let you use a XXXX XXXX so I had to use my physical address. I live in a rule area and we only get our Mail through a XXXX XXXX XXXX When I did use the card which was once to get gas it was XXXX. Because the Mail went to my street address it was lost for a week or so till the person that got it in the wrong box gave it back. Immediately when I got the bill I called told them to let them know and they waved the XXXX late charge. I also asked the representative what I owed and was that everything she said yes and told me it was all taken care of and wiped out. I never even looked at the bill in XXXX because I knew I paid it off and there should be nothing on it. XXXX came and I got another bill I opened it and it stated I owed them XXXX. I called them on XXXX XXXX and for 2 hours I went around in circles. The amount was not XXXX its now XXXX. The rational is that after I paid the XXXX there is an Interest of XXXX fee. A fee I knew nothing about. The representative I talked to said I owed nothing else. After talking to both the representative of capital one and the supervisor XXXX ID NUMBER XXXX. They told me they would wave the 1.50 interest charge but I will still have to pay the XXXX. I said if your waving the 1.50 interest charge thats what you assessed the late fees on then those should also be taken away. He informed me that if I dont pay these charges by XXXX XXXX I will keep accumulating XXXX charges all going on my credit report. For a card that was suppose to save me money on gas I now am paying XXXX for a tank of gas. I told them to turn off the card that none of this made any since. All of these call are taped Im sure and I dont know where to go with it. What a rip off. Then I found out that capital one has done the same thing to other people I know. Which is why Im coming to you.
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My first credit card with capital one was my Platinum that was in good standing. All bills were paid on time. I called to question some charges, and they took my complaint the person, then called the institution, and was told that they did not recognize the charges. That Capital One representative immediately remove the charges from my account, credit back my account for the amount, and referred the account to the fraudulent department for review, then she issued a new credit card with a new number. I was using the card with no problems and paying my bills regularly when I noticed some additional charges on my account. I called Capital One to find out what they were about and they were fraudulent transactions from my old card and were placed on my new card. I again questioned the fees and said they were fraudulent someone had already researched and why were they back on my card? I was told that the fees had been too long to remove so I had to pay them. Now, remember these fees were already previously paid. I only called to find out what the charges were but now they are back on my new account plus penalties. I asked if they can remove the penalties because I had already paid these, but no one seem to understand what I was asking. They got very defensive in the fraudulent unit and I was told I had to pay everything that they put on there, I wrote a letter to the corporate office in Virginia and I never received a response from them. I waited to see if they would remove the penalties but they never did. Numerous frustrating. Conversations going in circles going from customer service to fraud to some supervisor back to the same customer service agent. It was driving me crazy. I decided to pay the whole bill plus penalties. At the time when account was paid in full, I was told by the agent that there was no restriction on my account and my card was OK to use. Here I am now several months later with the restrictions still on my account. I called to ask how can I get this restriction removed? I was told at the time that I paid it was going to be removed but it is still there. The lady that I spoke to gave me ridiculous reason for not reinstating my card. She said I only had a certain timeframe to pay my bill for 90 days on time and I did not comply. I asked her if she heard what she was saying because it made no sense. How can I pay a bill for XXXX months on an account that is closed and I have no balance due. I asked to speak to a supervisor and the supervisor seem to understand exactly what was going on and how this did not start with me it started with Capital One. The supervisor sent it for review to see if they can remove the restriction only because the previous person had told me there were no restrictions and that I could use it however, I just received a call and was told that they could not unrestricted my card or reinstate my use of the card, because they could not find a phone call that stated that my card was good to use. This is not something that I would make up so far I had no intention on ever the company or taking anything from them. I just called for an explanation of fees, and I got what I thought was a nice lady, who took the fees off and gave me credit but it was only the beginning of a horrible experience with Capital One. Ive had this card for several years now and been paying on time but now I can no longer use this card or get another one. This is unfair to me. No one from the company seems to care, no one from the company has called me back and I would like this reviewed and I would like my platinum credit card reinstated and unrestricted. I have already filed a complaint with the XXXX XXXX XXXX and I want it to also file with you so someone at XXXX can hear what I am trying to say and understand what I am trying to say and how this was never my fault or caused by any of my doing.
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have no knowledge of this hard inquiry which was a result of identity theft which must be removed no later than 4 business days as per 15 U.S. Code 1681c-2 made on my credit report for Capital One Bank USA on XX/XX/2022.
Company Response:
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A