Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are 3 credit cards in my credit report that looks like were open years ago and is affecting my credit. I have a police report when i found out my identity was stollen. These credit cards are : Bank : XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( They told me that there was another company that handles this account in my name. This is the information ) : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( It seem that this one was opened and never used but, for some reason is in my credit like it was never payed ).
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In brief : I tried to connect a bank account with US details that I set up in the XXXX with a Capital One account and now they will not let me withdraw my money. When I tried to prove my identity, they said it would take 60-90 working days. They will not tell me exactly why this has happened and now send my calls directly to an answering machine to which they do not respond. In late XXXX I moved to the USA from the XXXX. On XX/XX/XXXX I was issued a SSN and opened a bank account with Capital One. While opening this, I was asked if I wanted to connect the account with another one that I had. I thought that this might be useful, so connected the account with a Transferwise account that I had set up in the XXXX. It has a US routing number and account number attached to it. The accounts were meant to connect in a few days and {$10.00} would be sent at that point. I also transferred {$2400.00} into the account from the XXXX account, {$1000.00} into the checking account and {$1400.00} into the savings account. This was fine for about a week. When the {$10.00} came through and the XXXX account and the Capital One account became connected, both of my Capital One balances were frozen. I phoned Capital One on the same day and initially they were somewhat helpful. The first person I spoke to told me that Capital One had decided to close my account, but they would not return my money as I was still under investigation, despite a determination to close my account having been made. The person on the other end of the line would not tell me what I was under investigation for. I asked to speak to a manager who was more helpful, saying that the issue was that Capital One needed to confirm that the XXXX account belonged to me. As a conference call, we called XXXX together who said that they could not confirm account numbers over the phone. Eventually, they agreed that I could read out an account number and they would tell me if it was attached to my membership number. Infuriatingly, just as I was about to do this, the phone line dropped. I phoned Capital One back and again got in touch with a supervisor. This time they would not stay on the line with me and instead put me on hold while they talked to XXXX. After keeping me on hold for a while they came back to say that XXXX would not confirm account numbers over the phone. I asked if we could conference call them, but the supervisor refused. They said that XXXX would send me proof of account ownership documents and that I should email these to XXXX. I did this on XX/XX/2023. I've attached the documents in case they're helpful. The email response said that they would respond to me in 60-90 working days, which was far too long for me to be without my money. It was the vast majority of the money that I had brought to the country. As a result, I phoned Capital One a few days later for an update. When I phoned them, I was told that a decision had been reached and my account was going to be closed. At the same time, they would not tell me why or when I could have my money back. I asked if I could speak to a supervisor or if there was any way I could appeal. After being put on hold for about 10-15 minutes I was told that there was nothing I could do, but they would get my money back to me as soon as possible. This was all nearly four weeks ago. Now when I phone Capital One I am just put through to an answering machine and told that they will contact me within 48 hours if there is anything to discuss. They never do. I am sorry that I am unable to provide dates for so much of this, unfortunately it largely took place over the phone and so it is difficult to track down exactly what has happened when. I have tried phoning them so many times and now they are not even responding.
Company Response:
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2023-10-02
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: Card was charged for something you did not purchase with the card
Consumer Complaint: I reported fraudulent charges my Capital One credit card. I was issued a new card and Capital One reposted the fraudulent charges to the new card. I called again to report again that I did not make charges nor did I authorized anyone else to make charges. Eventually the charges were removed until today XX/XX/2023. Capital One simply changed the name on the fraudulent charges from merchant to my name and reposted to new account. I have lost count of the number of times I reported to Capital One that these charges are fraud. I did not make/authorize the charges. I did not lose the credit card. Someone fraudulently took my information and Capital One allowed charges not made in my name be posted to my account. After I reported, the name on the fraudulent charges was changed to my name by Capital One.
Company Response:
State: TX
Zip: 77045
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 an account
Subissue: Can't close your account
Consumer Complaint: I called and asked to close the account and to have a written letter sent confirming the account is closed. The account remained open despite the company 's assurance that they had closed it. Eventually I attempted to close the account via the online portal, but I still have not received confirmation that the account is closed.
Company Response:
State: CA
Zip: 94538
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: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Company committed fraud by unauthorized use of my credit card and uses deceptive business practices. CREDIT CARD DEFINITION- USC1602 ( i ) - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My ssn was given and my signature released funds thats were given by the federal reserve upon submission of my consumer CREDIT application that were taken and not issued to me. I applied for a car loan on XX/XX/2023 and was denied credit and adverse action was taken by XXXX XXXX and CAPITAL ONE which is illegal as stated in 15 USC 1691- 1691 ( f ) which states, This Act ( Title XXXX of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or GOOD FAITH exercise of any rights under the Consumer Credit Protection Act. GOOD FAITH IS DEFINED AS- a broad term thats used to encompass honest dealing. Depending on the exact setting, good faith may require an honest belief or purpose, faithful performance of duties, observance of fair dealing standards, or an absence of fraudulent intent. The fact that I acted in GOOD FAITH AND WAS DENIED MY OWN CREDIT is illegal and fraud. Company violated my consumer rights by taking ADVERSE ACTION by DENYING ME CREDIT when no law permits denial of a credit worthy applicant. ADVERSE ACTION IS DEFINED AS- an action taken or determination that is- ( I ) made in CONNECTION with an APPLICATION that was made by, or a TRANSACTION that was INITIATED by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( XXXX ) ( F ) ( li ) of this title ; and ( II ) adverse to the interests of the consumer. Company cant deny a consumer credit based on transactions made by a consumer as stated above. PROOF THAT ADVERSE ACTION OCCURRED IS IN letter in ATTACHMENT below.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company started calling me in XXXX immediately after my husband died. They stated that I have XXXX in collections on a capital one account. Not ever having a capital one account I dismissed this and hung up. However they continued to call constantly. After ignoring for all these months they called Thursday stating that it was now with a law firm, XXXX XXXX XXXX XXXX, which I looked up and initially appeared to be legit. They threatened if I did not pay they would go after my business and my credit would be impacted. After XXXX hrs of argument they had convinced me and had me in total fear. My business is my only income to support my XXXX children as a newly widowed and single mom. After hrs of negotiation and scare tactics, they stated if I agreed to pay {$5700.00} they would settle. I continued to plead and explained I did not have the money. They then said if I paid {$2800.00} at that moment she would likely be able to get rid of the remaining balance. I agreed to pay this via my XXXX and they sent a docusign credit card authorization form from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. Immediately after making the payment and getting off the phone I called Capital One who confirm that I did in fact never have any type of account with them ever. Following that confirmation I called XXXX XXXX in attempt to stop the payment, which I could not do. I have submitted a dispute but I assume they use that docusign for that exact reason. In further investigation I see that they have done this to a number of other people. They are extremely convincing. They had my SS # and many legit accounts and addresses that I have had over the years of my life. They used my husbands death and my financial insecurities and my children to manipulate me into giving them all of this money. These people need to be stopped. I have an XXXX XXXX XXXX. I run a good honest business. I am doing my best to navigate in my still somewhat new role as a single windowed mother at XXXX XXXX XXXX. These people are heartless theives and belong behind bars.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/23 - I transferred XXXX Capital One points/miles to my XXXX XXXX XXXX account XXXX On XX/XX/23 - I receive a call from Capital One 's Fraud department stating there was a fraud alert on my account. I was asked to submit a copy of my driver 's license to clear up the fraud alert. The night of XX/XX/23 - I submit a copy of my Driver 's license to Capital One 's portal. The morning of XX/XX/23 - I received a call from Capital One 's fraud department asking if the points/miles transfer I made was legitimate. I stated it was legitimate. The representative stated my account was now unlocked and the points transfer has been released. The points have still not shown up to my XXXX XXXX XXXX account. XXXX XX/XX/23, I did a test transfer with my XXXX XXXX points to XXXX XXXX XXXX and the points went through minutes after I initiated a transfer. This is clearly a Capital One issue. After numerous calls back and forth, Capital One has done nothing to help me except telling me I need to wait 10-12 days for a supervisor 's review. I need to book award tickets as soon as possible with those points. The longer I wait, the more likely those award tickets will no longer be available or be priced drastically higher than when I initially made the decision to transfer my points. Capital One clearly has unfair and deceptive practices when it comes to using our hard-earned points.
Company Response:
State: WA
Zip: 98168
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to CAPITAL ONE BANK USA N XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite previous written request, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A