Date Received: 2023-10-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On or about XXXX of 2023 Capital One restricted my account just when I qualified for my rewards of {$200.00}. I asked them why the restriction and they said they detected Fraud and needed proof of income which I sent to them, then they needed proof of my XXXX account with proof of address which I gave to them Numerous times. What this has to do with fraud is beyond me. I Also sent them a copy of my drivers license and Social Security card. That still didnt satisfy them. I sent them more bank statements and a copy of my utility bill, still wouldnt lift the restrictions. I finally said how bout just honoring my rewards points and got the song and dance about they couldnt release the points until they were satisfied with the harassing stipulations they were putting me through. I dont care if I ever use my capital one card I just want what I earned. Sincerely, XXXX XXXX.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My consumer rights are being violated and thats against the law I did not give consent/permission for my information to be reported on my credit report and want it removed immediately under FCRA 15 USC 6802
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LATE PAYMENTS ON CREDIT REPORT DONT HAVE THIS ACCOUNT Inaccurrence with The Fair Credit Reporting Act XXXX account CAPITAL One has violated my rights 15 USC 1681 section 602a states I have the right to my privacy 15 USC 1681 section 604 a section 2 It also stated to Consumer reporting agency can not furnish an account without my written consent of instructions 15 us code 1681a- definitions rules of construction exclusions except as provided in a paragraph the term Consumer Report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as a late for purpose
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I only recently discovered that CapitalOne effectively sunset my formerly high yield savings account, and opened a different high yield savings product, and didnt automatically convert my account, or even notify me that I was no longer earning high interest so that I could switch. As described here : XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94044
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy '', 15 U.S.C. 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ". Under 15 U.S.C. 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Company Response:
State: CA
Zip: 93906
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: U have been disputing this item for over a year this is not my account removed this tradeline immediately it is affecting my credit score and I cant take out a mortgage if this is still on my credit..you guys sent me a letter saying it was deemed fraudulent so please remove this off my credit report I can sue for damages for inaccurate reporting by federal law you have 30 days to investigate this
Company Response:
State: FL
Zip: 32953
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: During the past few days I tried to make a purchase of a specific item over {$400.00}. Four times the purchase was denied by the bank. Yet, the bank applied each declination against my credit limit, a total of more than {$1600.00} erroneously applied. Today, when I tried to make two small purchases, well under {$50.00}, the bank declined both purchases. When I contacted the bank, I was told that it would take about 10 business days, or about two weeks, to remove the charges because they are PENDING, even though all were declined. Total incompetence and anti-consumer action by Capital One, owned in large part by Walmart.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper use of my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Under 15 U.S.C. 1681 section 602 states, I have the right to privacy. Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inaccuracies on my report such as inquiries The only inquires that I should have is XXXX XX/XX/2023 anything else is wrong and I did not authorize.
Company Response:
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the XXXX XXXX XXXX and XXXX Account has violated my rights. 15 U.S.C. 1681 section 602 A States I have a right of privacy 15 U.S.C. 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any reason.
Company Response:
State: MI
Zip: 48238
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A