Date Received: 2023-10-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My capital one Mastercard was closed without my permission. I paid on time and in full 100 % of the time. I called their customer service and was told my account was closed without explanation. The agent told me to apply for a new card. My application was rejected and the reason was that I had issues with my previous card. Please help fix this situation. Thank you.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: { Capital one/The accountXXXX } was reported has charged off literally after I paid my collection with this account. This company stated that this will not be on my report and it will be reported payed in full. I also have all the supporting documents proving what I am saying. Also I told XXXX, XXXX and XXXX to investigate and monitor this account. 15 U S.C. 1681 SECTION 602A States I have the right to privacy so this company can not send this account to collections agency without some form of communication through the consumer which is ME. 15 U.S.C. 1681 SECTION 604A SECTION 2 this States that a consumer reporting agency can not furnish a account without my written instructions. These algorithm reporting agency are taking illegal actions on my consumer report and I will not stand for any of it. Also they aren't even in compliance with XXXX XXXX credit reporting agency. I have evidence to prove my case. Also I would like for these inquiries not to be reported to my report, it's hurting my score and I want all 15 inquiries removed.
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital One XXXXr closed my XXXX card account. I was told it was due to non payment and it can not be reopened. However, for the past several months, they have been taking money out of the account via XXXX that initially they claimed they never had access to. XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have not changed any information other than when I switched my XXXX account from an old XXXX account to the new XXXX account. This seems predatory I would like this removed from my credit report along with my account reopened.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I attached the documents, I see payments marked as late and I never been late on any of my payments, because of this error h= I have been struggling to buy a house, its giving me XXXX and I feel like I can't do anything about it
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Problems receiving the advance
Subissue:
Consumer Complaint: on XX/XX/10 i called Capital One to ask if I could confirm if I qualified for their recent class action settlement because I was never sent an email or paper in the mail They then told me that yes I was eligible and notified via email but I never received the email they supposedly sent I asked if there was anything left for me to do They said no its too late & nothing can be done since I missed the deadline
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: This complaint is about Capital One denying my credit line increase for account ending in XXXX on the basis of negative information they allege exists on my consumer credit report but in actuality does not exist. Their discriminatory, predatory, capricious, and arbitrary tactic falls under Unfair, deceptive, or abusive acts and practices ( UDAAP ) practices, targeting me and redlining me as a discrimination tactic against me, a protected class as a disabled individual, erodes my confidence in this otherwise excellent credit card product with cash rewards, and undermines my economic activities. Their denial keeping me stuck in a small credit limit is predatory because it results in sometimes my balance being reported as high relative to the credit limit, thereby hurting my credit score, and keeping me financially constrained. Background : My consumer credit report is perfect, I have NO LATE PAYMENTS, NO COLLECTIONS JUDGMENTS OR CHARGEOFFS. I value credit as a professional and take measures to pay off my balances quickly and responsibly every month. I have been a responsible Capital One credit card consumer and have NEVER had a late payment since opening this account on or around XX/XX/XXXX with a starting XXXX limit which has never been increased after over three ( 3 ) years of responsible account management. In fact my Capital One account is set automatically to PAY OFF THE BALANCE IN FULL EVERY MONTH. Unfortunately, the spending power on this card is inadequate because my monthly charges often exceed the available credit, and therefore I am forced to suffer the inconvenience of having to take time to make multiple payments to pay down the account in addition to the regular monthly payments, simply to be able to use the card. That is why i requested a credit line increase to a very fair and reasonable XXXX On XX/XX/XXXX, Capital One notified me by e-mail that they have uploaded a letter, which stated my credit line increase request was denied on the basis of negative information found on my XXXX consumer credit report. That same day, XX/XX/XXXX, I pulled my XXXX credit report and personally verified that NONE of the negative information they allege in their denial letter exists. Here is a point by point rebuttal of their four point denial letter 1. Capital one falsely stated that I missed a minimum payment on a credit card. As you can see by my XXXX credit report dated XX/XX/XXXX, I have ZERO missed minimum payments on any of my credit cards or accounts. All my credit accounts are reporting on time and never late. My credit score is high. XXXX. Capital one falsely stated my Capital Account ( XXXX ) was recently past due. This is false because my account is set to autopay every month to ensure there is no past due. I even make additional payments in addition to the regularly scheduled payments. On XX/XX/XXXX, I called Capital One and the representative confirmed that indeed there were no late payments on my account ending in XXXX. XXXX. Capital One falsely stated there are too many revolving accounts with recent activity. This is frivolous and discriminatory because I have been forced to use otheer non-Capital One credit cards because Capital One credit limit is insufficient. This is capricious and arbitrary nonsensical reason because all my revolving accounts are modest, paid on time, and I should not be discriminated against for maintaining a responsible consumer credit profile. XXXX. Capital One stated " the amount of recent monthly payment relative to the balance of this Capital One account. '' This is nonsensical because I usually make multiple payments each month on my Capital One credit card because the {$7500.00} credit limit is inadequate for my spending needs. In fact, my account is set to PAY OFF THE BALANCE IN FULL EVERY MONTH. On XX/XX/XXXX, I called Capital One to inquire as to why they are falsely alleging I have been late on my credit. I was given the runaroud and told to pull my consumer credit report and dispute the negative items and then the request will be granted after the negative items are removed. When I explained to them that I DID pull my credit report and in fact exist no negative items to dispute, and therefore I have proven my credit worthiness as to why I am entited to a credit line increase, I was stonewalled and gaslighted and told what I said wasn't true. I even asked for a copy of the false information they are using to make this determination, which they failed and refused to provide. When I asked for clarification why Capital one stated that " one or more of my Capital One accounts was recently past due '' when I only have ONE Capital Account ending in XXXX, they explained that I am an authorized user on XXXX XXXX. They refused to give any dates how " recent '' this alleged past due was. I stated to Capital one that I NEVER consented to being an authorized user of another Capital One credit card and that I have been a victim of identity theft in the past, nearly ten ( 10 ) years ago in which my personal information was misused ( see police report XX/XX/XXXX ). Capital One then asked me for the impossible by demaning the " social security number '' of the primary account holder to which I was appointed as authorized user in order to access this account that I did not consent to. Perplexed, I explained that i do not know the social security number of that primary user! I stated this is unfair ( violation of UDAAP ) for Capital One to deny me credit on the basis of an authorized user account that I did not consent to, for charges I am not responsible for and did not make. I demanded that Capital One purge this authorized user account from their records and dis-associate it from my profile as it has nothing to do with me, which they failed and refused to do. Enclosures : XXXX. Capital One denial letter XX/XX/XXXX due to " presence of a missed minimum payment on a credit card '' based on XXXX consumer credit report. XXXX. XXXX consumer credit report dated XX/XX/XXXX showing no " '' presence of a missed minimum payment on a credit card '' '' XXXX. Police report of Identity Theft starting XX/XX/XXXX which my name and social security number was misused on accounts.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Capital One Auto finance charged off a car in XXXX of 2019. According to the Fair Credit Reporting Act, when a creditor has written the account off as a loss the account is closed to future charges. Since I have recently disputed this account it now appears that I have 2 charged off reposessions. I would like this removed XXXX
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Didn't provide services promised
Subissue:
Consumer Complaint: In 2019 data was compromised for capital one. I was a capital one member and never received a notice or email in spam or inbox about the data breach or class action lawsuit. Capital one failed to notify me as a loyal customer.
Company Response:
State: NC
Zip: 28120
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was sent a pre approval for a capitol one cc I filled out received card and after XXXX purchases they put a restriction on card saying I had to validate identity. I sent in my government issued resident alien card. I called and was told by the supervisor it was rejected because they only accept state d.l. I am XXXX and do n't drive before agreeing to card I saw several times what I'd I needed and government issued I'd was one now they have my acct on hold and won't accept what they clearly have as acceptable on their website
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To whom it may concern, As a former Capital One employee ( husband was too ), who actually believed the company meant they wanted to Change Banking for Good I am extremely disheartened about my account and the treatment it has received. I received notice that my account was closed for activity on this account or another account. I dont have another account and this account the only activity I have had on it for quite some time is just payments. The following are actions I think are very unfair, very deceptive, abusive, and quite frankly a horrible customer experience : Charge me the {$95.00} Annual Member Fee on XX/XX/XXXX o Close my account two weeks later, but not refund the {$95.00} Close an account that has been open for XXXX years, no missed payments, with a generic closure reason detrimentally impacting my credit Charge XXXX XXXX Interest Rate that has essentially my whole payment each month going to interest o How come you dont offer Financial Relief Programs like other creditors who are known to be aggressive like XXXX who offers XXXX XXXX interest on your balance, with a restricted card until it is paid in full. Charge {$40.00} late fee on a late payment with no ability to get it waived. This only furthers the negative financial impact on me I understand I will probably get a form response that says our cardmember agreement allows it, you owe us the money, thanks. That will be very disheartening to me, and will really show Capital One doesnt care about its cardmembers and is just chasing profits. My request is as follows : Reopen my card, with a reduced interest rate, and can restrict it until the balance is paid in full If you wont reopen my card, change it to Closed by Customer because had I known you would close arbitrarily I would have done it prior because it impacts your credit. Reduce my interest rate to XXXX XXXX or less so I can actually pay this card off, I am a mother of two kids so every dollar counts Remove the {$95.00} Annual Fee Remove the late fees charged to me in XXXX Thank you for your time and I look forward to hearing from you via the CFPB complaint process.
Company Response:
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A