Date Received: 2023-10-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened up an online account with Capital One. I had a fraudulent transaction on my account. I called to dispute it. I am away at college and do not have access to a branch nearby. There was only XXXX disputed transaction. I requested that my card stay active through the weekend as they would not send me out a new debit card until Monday and today is Friday and just block the company attempting to charge my card. Capital One went ahead and froze my account without telling me and without my authorization leaving me stranded. I had requested to speak with a XXXX. XXXX several times because the offshore representatives did not understand to address my concerns. After several calls I was finally transferred to a XXXX XXXX and spoke to XXXX # XXXX. She was incredibly rude, kept talking over us and refused to provide an onshore customer service number to call on Monday. I only found out my card had been frozen when I attempted to pay a bill and was not able to do so. Capital One is holding my money hostage and will not release it. They froze my card without my permission or authorization.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
Company Response:
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Credit score XXXX Credit utility 45 % 100 % on time payment 28.34 % I'm asking for 21 % Was told nobody, no matter what, was getting reduced interest rates from Capitol One. Didn't matter history, nor credit score. We are being lied to.
Company Response:
State: OR
Zip: 97068
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Upon reviewing my credit report, I noticed that this late payment account is inaccurately reported, which is adversely affecting my creditworthiness. The account is : CAPITAL ONE/XXXXXXXX Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy. 15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions. In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions. The evidence must include color copies of my ID and Social Security Card used to open this account. Moreover, in alignment with 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 unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case. If you can not produce the necessary documents validating this account and these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately. It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.
Company Response:
State: AZ
Zip: 85208
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This account that I have with this credit card company was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: FL
Zip: 32308
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XXXX XXXX I was informed by capital one that I was locked out of an account I had no knowledge of opening.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: my capital one bank account was closed out due to negative balance. okay i agreed to let it close and was told i would be able to open a new account about a week after closing there was a deposit made to the account once i became aware of the deposit i called the bank for information on how to retrieve my funds. i was told id be able to go to the bank and simply pull the money out since the account wasnt fully closed once i arrived at the bank i was told my account was restricted and i couldnt retrieve any funds i informed him on the previous conversation i had outside with the bank prior to coming in and he called and i was told the account was NOW being closed and id have to be mailed a check and it would be arriving within 10-14 business days. i wait the waiting period still no check i call in every single day asking for an update and i dont receive anything but an apology and being told to continue to wait ive had my car repossessed because of my lack of funds also have been unable to provide for myself or my household due to this inconvenience and i still have no received the money or any help from anyone at capital one bank.
Company Response:
State: TX
Zip: 77041
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are Multiple accounts that are fraudulent on my credit report and I have reached out to the Creditors and Credit bureaus to supply with all supporting Documation on many different occations and nothing was removed or the issue wasn't resolved.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CAPITAL ONE XXXX and CAPITAL ONE XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called Capital One on Thursday, XX/XX/2023 to discuss making my full balance payment of {$330.00}. I always make my payments with my XXXX debit card that ends in ( I am aware I need to keep that information hidden ), and that information is saved in my mobile app, as well as my online portal. I noticed, the only option was for me to make payments via ACH/ checking or savings routing. As I never make ANY of my bill payments in that manner, I called and spoke with a representative ( XXXX XXXX XXXX XXXX ). He said this week, Capital One has changed the way payments are made to credit card accounts because the company has had issues with other customers monies being returned. As I do NOT like ACH options, I feel as though they take DAYS from pulling- I always pay with my debit so the funds can immediately come out, and be applied. The payment was made over the phone with the representative, and was successful. As this payment was made BEFORE XXXX, I was told my available balance would be my normal {$300.00} credit by today, Friday, XX/XX/2023. As I am heading to work ( XXXX XXXX ), I gave Capital One a call, when I was THEN notified - THIS morning, that my funds would NOT be available until NEXT XXXX, XX/XX/2023. That is HIGHLY disrespectful to me as a customer, as I paid my FULL balance BEFORE the due date of XX/XX/2023. I am highly frustrated with Capital One- because if I OWED money, I would be hounded. My funds were taken immediately out of my other debit account because the funds were AVAILABLE, and posted immediately. This is a huge inconvenience, as I have to pay my remaining balance of my rent owed. Telling me " unfortunately, the funds won't be available to use until XX/XX/2023 '' does NOT work for me. It is highly rude to NOT let your customers know that a payment IS posted, but I am NOT allowed to utilize my MY credit for OVER 12 days because of some new rule/stipulation that was NOT notified to ANY customers. I was NEVER emailed, called and texted about ANY of these changes. My payments have been posting SUCCESSFULLY from my XXXX debit account ever since I switched over to them earlier this year. I work very hard to pay my bills- I am always working, and make sure I pay before deadlines for due dates if I am able too. If I would have known my money would be held captive, I would've paid the MINIMUM balance due of {$25.00} on XX/XX/2023. As I do NOT like have balances, I did what I thought was right- and now I feel slighted, discriminated against and I am highly offended. I will always remember how this has affected my morning. I do NOT bother anyone. I mind my business, I go to work, and I stay to myself. If I would have NEVER called to inquire, I would've had to file a fraud alert as any other time Capital one FLOODS me with bull about cashback deals, and things that do NOT matter. IF I had OWED, I would have been hounded. It is very upsetting, and also not fair. I have to call my other bills to arrange plans with them to make later payments. I WILL never, ever again pay my bills in full to Capital One. I do not care about my credit score any longer. I am over it. I will call my bank and attempt to get my money back.
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A