Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: After reviewing my credit profile on XXXX | identified a discrepancy with account listed under ATLANTIC FINANCIAL and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/ there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: We paid off our car loan from Capital XXXX and they claim to have sent out our car title via the mail at the end of XXXX. We waited XXXX weeks and contacted them as we had yet to receive our title. They assured me they would send out a lien since the title had not arrived. We waited XXXX more weeks. We called back and they claimed we had not called them about the title not arriving. They once again assured us they would send us a lien for the car and overnight it to us via XXXX. They printed the label a week ago and have not sent it out. It's been XXXX months and we have not received our car title or a lien.
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Several UN-authorized inquiries and accounts appeared on my credit report without my knowledge or consent.
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Capital One Quicksilver Credit card on XX/XX/XXXX and was approved. Capital One Quicksilver credit card sign up page link - https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their sign up page states the following - New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. Card offers with a rewards bonus are available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. I applied for the card for this sign up bonus. I successfully spent the {$500.00} required to qualify for the {$200.00} sign up bonus but the bonus never showed in my account. I reached out to QuickCustomer Care on XX/XX/XXXX, Friday to inquire about the same. They told me that I did not qualify for the bonus because it was not on my account. I told them that this offer showed on my sign up page. They told me that My credit card account is not eligible for the bonus. The customer care rep cut the call on me when I insisted that I should qualify since its on the sign up page. I called again on XX/XX/XXXX, Friday to ask about the bonus. They told me the same thing. I asked them to escalate this to find why I was not being given the bonus even though I meet all the qualifying requirements for the bonus - the Quicksilver credit card was my first account with Capital one so I was a new card member and I had spent the qualifying amount of {$500.00} per the sign up page. They told me they would get back to me but there isnt much that would change since the offer did not show on my account.
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On Tuesday XXXX XXXX, I called regarding a return payment. I was frustrated with the woman because it was a script conversation and I wanted her to touch base with my bank. From there she put me in touch with another person that had no idea what the previous conversation was about. Just as I was, she seemed extremely frustrated. I explained that processing time with Capital One never seems to be correct so I paid my credit card roughly XXXX days in advance of when I would be paid because it will take XXXX for it to come out of my bank account and then another XXXX to post where Capital One gives my credit back. I explained that I didnt know it would be a return payment based on how long it has typically taken in the past. I could never get a direct answer on why its not done at the same amount of time each time. While on the phone, I also paid the entire bill again and it has cleared my bank. I go look today and without notice, they have shut down my credit card. No courtesy call or anything. After XXXX minutes of getting to the fraud line, the lady stated they have the right to close without reason at any time. I told her legally You should give a reason that isnt automated. She stated they closed my card based on XXXX return payments thats Ive had in a year. There was no explanation, no call, no detail and need I say, when there has been XXXX, its been immediately paid. I then asked her, the next person this happens to, do you all shut their card off after XXXX? She would not answer that. I told her it shows the company is not treating their customers fairly and wrongfully using the we can shut your card off at anytime umbrella comment when they please. I believe the worker I spoke with was upset with me and asked to have my card shut down but did it the following day to show it wasnt connected. I hope to prove this from her notes and the companies notes when they met in regards to closing my account.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to express my disappointment with the inaccurate credit reporting done by Capital One Financial Corp. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Capital One Financial Corp, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Capital One Financial Corp has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Capital One Financial Corp immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Capital One Financial Corp does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX - I payed my {$95.00} CAPITAL ONE MEMBER FEE XX/XX/XXXX - My account was suspended due to fraud detection XX/XX/XXXX - I submitted all the necessary information. XX/XX/XXXX - I was called saying my information could not be validated and to be resubmitted. XX/XX/XXXX - I resubmitted all the documents. XX/XX/XXXX - Without any notice or call for which I was told I would be - Capital One Closed my account. XX/XX/XXXX - I noticed my account was closed and called and was not told what could not be validated as well as what I violated. I was told my member fee would not be reimbursed for a card they allowed me to have for less than a month. As well as any miles that I had EARNED on the account. This is ridiculous as they basically can not tell me why they closed my account and are refusing to reimburse me.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
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: To Capital One Dispute Resolution Team I am writing this letter to refute and challenge the farcical misrepresentation that the merchant XXXX XXXX XXXX ( going forward I shall refer to the entity as XXXX ) has made in order to contest my legitimate dispute. To start with, I had contacted XXXX on XX/XX/XXXX in response to their text message as I needed to hire a mover to help with my move from XXXXXXXX XXXX to XXXX, Wisconsin. I had absolutely no prior experience with hiring a mover and XXXX ( who goes my XXXX XXXX, a customer service representative at XXXX reached out to me via text message ( screenshot attached in Exhibit A ) stating that they had a client cancel the week that I was planning to move, and they would be able to offer me a discounted rate. I called her back in response to the text message and during our initial conversation XXXX told me " we have some trucks going along your route from Maryland to Wisconsin and since a client had cancelled we would are able to give you a discounted rate, but we would need you to pay an upfront XXXX deposit '', I was quite pleased with how pleasant and helpful she was and going off of the initial positive impression I thought this firm would be a good fit for me. Hence, I gave her a detailed description of my household items that needed to be transported, following which she provided me with an intial binding estimate which was {$1900.00}. This estimate prominently featured XXXX 's branding at the top page and nowhere was it prominently mentioned that they are acting as a broker until the middle of the multi page contract and this was not highlighted so at the time since I did not read it carefully I was totally unware that this business was in fact not an actual moving company. However, I did explicitly ask XXXX whether they were a moving company or a broker to which she emphatically responded " We are a moving company based out of XXXX XXXX, FL '' and she also said something to the effect that it is a family business, etc. Since I already felt like I had a good rapport with XXXX I did not conduct further due diligence and took her words at face value, which I later came to realize was a grave lack of judgement on my part, but I did not know at the time that I was dealing with such a deceitful operation. Following the verbal confirmation from her, and being reassured that they are an actual moving company I spoke with someone on their finance team and provided this person with my Capital One Savor Credit Card information and authorized a one-time charge for the deposit that will go toward my actual move. Now, it is of critical importance to understand that at no point so far in this discusssion had XXXX identified themseleves as acting in a broker capacity other than in a section of the moving estimate and then too it was not highlighted so I would only become aware of it much later. I had entirely relied on the word of their representative who had told me the exact opposite. Therefore in my mind the deposit I paid was for a part of my move as explained to me by XXXX and not some sort of broker or finder 's fee as XXXX has alleged. XXXX 's entire argument rests on the dubious assertion that they were acting as a broker which was something that they kept providing me conflicting information on until right before they subcontracted my move to a disreputable mover. Additionally, absolutely no service at all was rendered as of the invoice date i.e. XX/XX/XXXX, so even if XXXX were to ignore all mistatements and falsehoods from XXXX 's XXXX XXXX, XXXX did not disclose the name of the actual moving company they ultimately ended up subcontracting my move to on the day that I paid the {$620.00}. This is of paramount importance because they seem to claim that services were rended at this time in the credit card authorization that I signed with little understading that I was being defrauded. Furthermore, the name of the actual mover was only disclosed on XX/XX/XXXX almost XXXX weeks after I paid the {$620.00} when XXXX from their office emailed me a link to the bill of lading ( screenshot of email can be found in Exhibit A ). After paying the so called deposit, I did contact XXXX a few times over the subsequent week to make updates to my list of goods. During these phone conversations XXXX had never mentioned XXXX XXXX XXXX XXXX XXXX at all nor explicitly told me that they were acting as a broker. On XX/XX/XXXX XXXX another XXXX representative provided with a bill of lading which had XXXX XXXX XXXX XXXX as the mover now replacing XXXX branding from the initial binding estimate, I signed it not knowing that XXXX XXXX is a totally different entity. It is critical to note here that my wife pointed out the difference in name and after some online research I became aware that XXXX XXXX XXXX XXXX XXXX has a very poor reputation and is often accused of misplacing and breaking items during their moves. After thoroughly reviewing the bill of lading from XXXX XXXX XXXX XXXX XXXX I realized that my items could be held in storage for XXXX business days which was totally shocking to me because on my first phone call with XXXX I was told it would take no more than a week after pick up to receive all my items. I immediately relaized that I had been defrauded and decided to cancel my move on XX/XX/XXXX, even if it meant forfeiting the deposit because I did not want my items to get lost, misplaced or damaged. Following the cancellation notice that I sent via email XXXX called me and voluntarily offered me 20 % of my deposit back if I were to sign a carefully crafted non-disclosure agreement which waives my right to a dispute among other things, I understand they have provided a copy of it along with their response to the dispute. Any neutral reader of that document would find it problematic and a tacit admission that they were in the wrong, I refused to sign the document even as they kept sending me several reminder. I instead initiated a dispute resolution with Capital One where I gave the fraud specilaist a very detailed description of what happened how they lured me in by pretending to be an actual moving company and then subcontracting my move to a third party firm. At this point I had no doubt in my mind that XXXX was not a trustworthy business and I decided to do further research online and found out that multiple complainants on XXXX XXXX XXXX ( XXXX ) had alleged XXXX of pulling the same type of fraud they did on me. In fact the business had an F rating for XXXX and they were not registered with XXXX ( I've attached several pages of XXXX complaints where XXXX has pretended to be the mover and then subcontracted the job to a different firm ). XXXX 's cancellation ploicy is also a total farce as they allow you XXXX hours after you pay the upfront fee to cancel however they DO NOT dislcose the name of the actual movers within that timeframe, and only disclose it 3 days before the move at which point if you don't feel comfortable with hirirng their actual subcontracted mover you have absolutely no choice but to forfeit your deposit which they get to keep. This is the duplicitous set up that XXXX has come up with to defraud clients. I work in investment management and this sort of malpractice would lead to serious regulatory action if not criminal charges. I have always found Capital One to be a trusted partner for my financial and banking needs so I am not at all pleased that the statement I made to the fraud speciliast were not even taken into consideration while reviewing this case. Now with this written response and the plethora of evidence and testimonials establishing XXXX as a deceitful and fraudulent entity I hope your team reconsiders my dispute case and reverses the transacation.
Company Response:
State: WI
Zip: 53092
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/, I pulled my XXXX XXXX report and noticed two hard inquiries on my credit. One from XXXX XXXX XXXX and another from Capital One. I called Capital One to inquire, first checking by name them date of birth. They then asked for my SSN which I was not comfortable providing to an insitutiom I do not have a relationship with. I do not have any credit cards, nor have I applied for one in many years. I am concerned that my SSN and credit are currently at risk and am seeking assistance.
Company Response:
State: OH
Zip: 43082
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
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: This regards my Capital One Travel Card and Capital One 's refusal to 1 ) honor a travel credit and 2 ) refund me for flights that I was refused service on. This concerns capital one case number : XXXX This concerns a disputed transaction in the amount of {$5400.00}. XXXX travel miles were used to fund this purchase, in addition to {$4300.00}. We expect a full refund of travel miles and monetary amounts, for reasons explained below. The disputed {$5400.00} transaction consists of two flights : ( XXXX ) outbound from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX to XXXX to XXXX. The costs were split down the middle for each leg after the application of our Capital One Travel miles. These were first class tickets. In dealing with our complaint, Capital One has ignored that this concerns separate transactions and erroneously focuses on one leg -- a concession that at least half the charge we dispute is improper on its face. Below, I first discuss the factual details pertinent to leg one and my entitlement to a refund due to erroneous, and likely fraudulent, representations made by Capital One Travel agents. Second, I discuss leg two ( return to XXXX ), and the factual details relevant to our entitlement to a refund due to the egregious mistreatment detailed therein. Leg One ( XXXX to XXXX XXXX ) My husband and I ere scheduled to depart from XXXX on XX/XX/2023, at XXXX p.m. on XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. Approximately XXXX hours before our scheduled departure time on XX/XX/XXXX, I called Capital One Travel for assistance rescheduling our flight to the following day as I was unable to get to the airport due to emergency circumstances out of our control. I reached a Capital One agent, who told us that I was well within the time frame for us to reschedule the trip and that there would be ( 1 ) no issue refunding the full cost for leg one ( including travel credit ) used to purchase the tickets and ( 2 ) applying the equivalent amount ( i.e., half of {$5400.00} ) toward booking another flight the following day to the same destination. However, the Capital One Travel agent stated that to effectuate the refund and apply the credit to book a new flight, I would first have to call XXXX XXXX to cancel our flight directly. I followed Capital One Travels instruction to do so and called XXXX XXXX to cancel our flight, which they did. When I called Capital One Travel back to utilize our refunded travel credits and rebook our flight, the new agent that I spoke with indicated that he was unable to refund the travel credit and rebook with the credit because the flight was cancelled by XXXX XXXX. This was contradictory to the instructions explicitly provided by the prior Capital One Travel agent. Under no circumstances would I have canceled our flight with XXXX XXXX if I knew the Capital One agent was going to refuse to provide us a refundI did so, to my detriment, based explicitly on the promises and representations made by Capital One Travel and its agents. At this point, Capital One Travel refused to utilize our promised travel credit to rebook the flight through Capital One Travel. The Capital One Travel agent further told us that he was unable to book the flight at all and stated we would have to work directly with XXXX XXXX. I did so, at a significantly increased costall based on representations by Capital One Travel. In effect, I was defrauded out of the right to refund and use travel credits through Capital One Travel and forced to incur additional expenses in booking the flight through XXXX XXXX directly. Capital One did not refund the cost of the cancelled flight onto our Capital One credit card and it must now do so. Leg XXXX ( XXXX to XXXX ) In the afternoon of XX/XX/XXXX, my husband and I arrived at XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX ) around XXXX XXXX and navigated through customs and security without incident. When our boarding group was called, I lined up and showed the ticketing agent our boarding passes and passports. The ticketing agent told us both to proceed with boarding by walking across the tarmac approximately XXXX feet to the waiting aircraft. Once at the aircraft steps, I once again showed my boarding pass and passport to another XXXX XXXX agent and was informed I needed to step aside and could not board. I asked for an explanation as to why I was suddenly being prevented from boarding and the XXXX XXXX agent stated that my boarding pass contained a passport number that did not match her passport. This was a lie. As I explained to the agent at the time, my boarding pass did not contain any passport number on it indeed, no boarding pass, including mine, contained any passport information and, even if it did, the XXXX XXXX employee who reviewed the boarding pass made XXXX effort to review my passport, meaning it was impossible for him to determine in the few seconds he looked at my boarding pass that the numbers did not match. After a few minutes of standing on the XXXX tarmac without any explanation as to why we could not board, an XXXX XXXX employee told me that I was randomly selected for a secondary screening and that I would need to walk the approximately XXXX feet back to the airport terminal. I was informed that I could not accompany my husband and that he had no choice but to board the flight without me. This was extraordinarily bizarre to us as I had already gone through the security screening process and had shown her boarding pass to XXXX XXXX security officials and the gate/ticketing agent without issue and without any indication that further security screening was necessary. Further, we observed that other passengers who had been selected for secondary screening were informed of the screening on the loudspeaker in the airport terminal prior to boarding. I had not received any such notice or announcement. To that end, I asked for an explanation about what type of screening was now suddenly required and why, and none was given. At this point, I was extremely concerned for my safety, given XXXX XXXX refusal to explain why I needed to undergo additional screening at this late juncture in the boarding process and the suspicious and erroneous reasons that were being offered. In asking to return to the terminal alongside my husband, I explained to XXXX XXXX that it would make me more comfortable if we could remain together as we were traveling in a foreign country. I am a petite framed woman who was now being inexplicably pulled from the plane steps as she was about to depart a foreign country ; our request to remain together, or at least within eyeshot of each other, was entirely within reason. I further explained I suffer from anxiety and wanted an accommodation, as my husbands presence would make me feel safer. Instead, XXXX XXXX ignored our requests and demanded, again without reason, that XXXX go with them alone despite already having passed through multiple screening processes without issue. Notably, they did not take my bags with them, undercutting any notion that they were genuinely interested in conducting a legitimate security screening of my belongings. I was terrified but complied with their requests and followed the XXXX XXXX employee back to the gate without issue. At the now-empty terminal, I was told to sit down and shut up by a group of female XXXX XXXX XXXX XXXX The XXXX XXXX agents continued with their wildly inappropriate behavior by throwing my items onto the airport floor. When I asked the agents if she would be able to board after the search, as I was now alone in the terminal, the XXXX XXXX agents jeered at me and refused to answer. Meanwhile, my husband was still seated on the airline and all other passengers had boarded. An XXXX XXXX agent informed him that the flight was leaving and that if he left the flight, he could not reboard. Facing the option of leaving his wife behind in a foreign country, he was forced to exit the plane so he could rejoin my wife and ensure her safety. He walked the approximately XXXX feet back to the empty terminal where he saw my me ; I was shaken and was surrounded by XXXX to XXXX XXXX XXXX agents. The employees promptly backed up when they saw my husband enter the terminal and continued to snicker with each other. I asked for an explanation as to how we could fly home as they had needlessly and arbitrarily prevented us from flying on our purchased flight and the XXXX XXXX agents told us to exit the area and go down to the XXXX XXXX ticketing counter to re-book our flights. When we went downstairs in attempt to do so, the XXXX XXXX agent at the ticketing counter told us she was inexplicably unable to book us another flight. Indeed, they stated they would only be able to rebook us if by giving us a direct call, which we found strange. Nevertheless, we returned to our hotel and waited for the callto this day, no one from XXXX XXXX has reached out. If we did not book another flight, as detailed below, we would effectively be stranded at XXXX XXXX. After returning to our hotel, and realizing XXXX XXXX was going to be unhelpful, we promptly booked return flights home with XXXX XXXX for the following day. Unfortunately, we were forced to incur significant monetary damages in connection with XXXX XXXX inexplicable and arbitrary failure to permit us to board our purchased flight. These costs include a stay at the XXXX XXXX XXXX XXXX on Friday, XX/XX/XXXX, our main cabin seating flight home via XXXX XXXX, round-trip taxi transportation to and from the airport/hotel, additional meal expenses, and additional long-term parking at XXXX XXXX XXXX XXXX. We were so distraught by the bizarre event that we contacted the XXXX XXXX to report the incident and filed a police report with the XXXX XXXX police XXXX We also drafted a detailed legal demand letter which we sent to XXXX XXXX XXXX Department via first class mail to ensure delivery. XXXX XXXX did not respond, nor have they refunded the flight to our Capital One credit card on which the flight was purchased. Capital One Travel can not allow XXXX XXXX to wrongfully keep payment for which no service was rendered. Because the flight was purchased through Capital One XXXX, Capital One must refund the value of the flight. In sum, we expect that this information is sufficient to establish our right to a full refund of the disputed fee and travel miles. We think Capital One should honor its agents statements to us and issue a full refund for the disputed fee. Thus far, this case is a clear example of Capital One Travel failing to honor their agents explicit promises ( and, thus, the type of corporate fraud and abuse State and Federal agencies are designed to protect against ). Company 's Actions to Date To date, we have explained all of this to Capital One, with documentation. Capital One 's latest response stated that they closed the matter because we failed to provide certain information -- this is false. As can be seen from the detailed explanation above, we have provided all information available to us -- Capital One, for its part, refuses to take its blinders off and actually investigate this matter, and instead is clearly trying to just avoid this matter and give us the runaround. Capital One further continues to blame XXXX XXXX, stating it is with them, which is nonsensical -- the entire purpose of a chargeback is for the credit card company to resolve the dispute on their end, with the proof we have provided, and then deal with the merchant themselves
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A