Date Received: 2023-09-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Capital One calls me several times a day every day. I spoke with a representative and explained I needed a extension but would like the daily calls to stop and now I'm called multiple times a day.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account Ive noticed on my credit report mis information was reported in regards to my capital one auto loan. I paid the car off and was never late on a payment. This is hurting my credit and is not accurate information. Please advise the next steps that should be taken.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I successfully submitted a check for deposit of {$3100.00} to my checking account on XX/XX/2023. My checking account at the time contained a total of {$50.00}. On that same day ( XX/XX/2023 ), I received another email saying my deposit had been successful and I could go ahead and destroy the check. I was provided with the following details regarding my successful deposit : Amount : {$3100.00} Deposited on : XX/XX/2023 Fully available on : XX/XX/2023 Again, on that same day ( XX/XX/2023 ), I received another email regarding the check. The email contained the following information : XXXX XXXX, After an in-depth review of the check deposit ( s ) you made on XX/XX/2023 into your account ending in XXXX, we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of all or part of {$3100.00} until XX/XX/2023. Please note that you don't need to take any action. As long as the item ( s ) don't return, these funds will automatically become available on XX/XX/2023. On that same day ( XX/XX/2023, I received a fourth email which contained the following : Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. If you have questions, please give us a call at XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Thanks for choosing Capital One. On XX/XX/2023 the check I deposited had cleared and the funds were deposited into my account ; however, Capital One had restricted my account and I had no way of accessing my funds and had no way of withdrawing any money from the account whether it had come from the check or not. I contacted Capital One on XX/XX/2023 at XXXX per their instructions. When I spoke to their resolutions team, I was told that my entire account had been frozen, and they needed to contact the check issuer to verify this check was given to me by them. I provided several points of contact for the check issuer to the Capital One team and they either couldnt get a hold of them or refused to call them in the first place. I was then told that my entire account was now under internal Investigation. The capital one team then told me that even if they spoke to the check issuer and confirmed that I was given these funds by them, I still wouldnt have access to them bc they were now performing an internal investigation and they couldnt provide any information as to why, or if there was anything I could do to help speed up the process and gain access to my funds. They refused to work with me, and rejected any attempts to aid in improving this situation. I was told by the Capital One team that this investigation could take up to 90 days and there was nothing I could do to help my case and there was nothing I could provide to speed up the process. On XX/XX/2023 I received an email containing the following : XXXX XXXX, We're reaching out to let you know your account ending in XXXX was closed. If you have any questions, please contact us. We'll be happy to help you. Thanks for choosing Capital One. After several attempts to get information on this matter, very little information was given even after my account was closed. I was at some point told that a check with my funds had been mailed out to me because I no longer had an account with Capital One. When no check arrived in the mail after two weeks, I contacted Capital One and was now told that they couldnt mail a check bc they needed to contact the check issuer first, so the capital one team was now providing information that was not matching what other team members were saying. There was not cohesive understanding as to what was going on with the account and various Capital One team members provided me with mismatched and confusing information. The total balance of the account is currently {$3400.00}, and none of these funds have been given to me regardless of them having nothing to do with said check. Reminder that the check I deposited was only {$31000.00} ; therefore, an additional {$320.00} was stolen by capital one from my account and they refuse to return my funds. It is now XX/XX/2023. It has been a total of 45 days since I deposited this check into my checking account. A total of 39 days since the check cleared. A total of 36 days since my account was closed by Capital One and my funds have still not been returned. Last time I contacted the Capital One team was the week of XX/XX/XXXX and nothing has been resolved.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Capital One declined my application for the Venture card. My application number is XXXX. I was denied for too many new accounts. I already have two Capital One accounts and would actually rather change one of them ( the Walmart Cap One XXXX ) for for Venture card but they wont permit that, I applied for a new card. The letter I received this evening from Capital One contains none of the required information regarding which bureaus they pulled despite the fact that the letter says that they are listed on the reverse side. There is nothing on the reverse side other than an Equal Credit Opportunity Act disclaimer. Quite frankly, I am so disgusted with how I have been treated overall by Cap One that I am inclined to just close all my accounts.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. XX/XX/XXXX XXXXCapital One XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The Kohls Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX XXXX opened account back in XXXX of XXXX Was in good standing in XXXX when married and name change to XXXX XXXX encouraged to go paperless Account in good standing until XXXX. A {$52.00} charge was made in XXXX of XXXX No notice of statement received in email in XXXX or XXXX. XXXX email notice came in with late and interest charges {$52.00} charge was paid that same day. Due to XXXX difficulty with age and no on-line chat available, sent letter challenging and declining to pay the bogus late and interest charges. Kohls reply letter stated the late charge was removed. Problem is they did not remove the 2nd late charge nor interest Follow-up letter sent outlining the problem and needed solution. No response received. Have disputed reports of delinquent account at the credit reporting services. Kohls continues to all late and interest charges to the account every month and continues to damage the credit rating every month. NONTHING is owed other than the bogus charges added by their computer each month, which will NEVER be paid as they are not recognized as valid debt.
Company Response:
State: ID
Zip: 83607
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: lodge a formal and emphatic complaint against Capital One, a financial institution, for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, as well as the Privacy Act of 1974, 5 USC 552a, along with additional pertinent statutory and regulatory provisions. This complaint revolves around Capital One 's flagrant transaction reporting violations, their utter disregard for consumer privacy, and their alarming failure to respect consumer rights. The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), unequivocally underscores the paramount need for consumer reporting agencies to execute their responsibilities with unwavering fairness, absolute impartiality, and an unyielding respect for consumers ' sacrosanct right to privacy. A parallel obligation is firmly enshrined in 15 USC 6801, articulating that every financial institution, including Capital One, has an unwavering, ongoing duty to zealously safeguard customer privacy and to preserve the security and confidentiality of nonpublic personal information. My complaint, however, exposes Capital One 's audacious and persistent transaction reporting violations, gratuitous inquiries into personal accounts, and their egregious failure to uphold the fundamental principles of consumer privacy. As per the mandate of 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may, and I emphasize may, furnish a consumer report solely " in accordance with the written instructions of the consumer to whom it relates. '' Neither Capital One, the financial institution itself, nor the ostensible guardians of consumer data, XXXX, XXXX, and XXXX, sought my consent, let alone the written consent mandated by federal law, to disseminate my personal financial information. I hereby and resolutely revoke any and all consent, regardless of its form, whether verbal, non-verbal, written, implied, or conveyed through any other means, that has been extended to XXXX, XXXX, XXXX, and Capital One. Furthermore, Capital One 's conspicuous and deliberate omission to apprise me of my basic right to exercise my nondisclosure option, as stipulated by 15 USC 6802 ( b ) ( c ), is a glaring affront to the very principles of transparency and consumer empowerment that federal law purports to uphold. This omission represents a blatant violation of federal regulations. Notably, 15 USC 1681C ( a ) ( 5 ) leaves no room for ambiguity, explicitly decreeing that no consumer reporting agency may compile a consumer report containing adverse information without proper and unequivocal authorization. Capital One 's reckless reporting of adverse information without my explicit and uncoerced consent amounts to a clear and unambiguous violation of federal law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) underscores that a person shall not, under any circumstances, furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information in question is inaccurate. Capital One has not only furnished inaccurate information, but they have done so with a shocking degree of indifference to the potential harm and financial consequences that this inaccurate information can wreak upon consumers. Furthermore, XXXX, XXXX, and XXXX, the supposed guardians of consumer data, have displayed a wanton disregard for the very concept of reasonable procedures, as required by 15 U.S. Code 1681e. These agencies have consistently reported inaccurate, incomplete, and inconsistent information, causing not only financial harm but also confusion and undue distress among consumers. In light of these severe and unambiguous violations, I demand, in no uncertain terms, that the Consumer Financial Protection Bureau conducts an immediate and exhaustive investigation into the actions of Capital One. This investigation should encompass all aspects of Capital One 's operations, focusing particularly on their rampant transaction reporting violations, their systematic infringements on consumer privacy, and their blatant disregard for consumer rights. I further insist that the Bureau takes the necessary and appropriate actions to rectify these grave infringements and that Capital One be held fully accountable for their failure to adhere to statutory and regulatory requirements. A swift and comprehensive review of this matter is expected, and I insist that you keep me apprised of the progress of your investigation. Timely and decisive action is paramount in this case, so any sensitive details such as account information, numbers, and dates, I will be more than happy to provide.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I wanted to report a case of attempted fraud by someone impersonating Capital One. They called from a number appearing to be from Captial one - a number published on their website. Saying to be from the Fraud department and demanding I review a zelle transition within 2 min or it would automatically fulfill. I eventually hung up and called the bank directly and they know nothing of it. I did not lose funds but felt I needed to report this instance. The request was from a XXXX XXXX XXXX. I don't know if there is a way to trace these people but felt the need to report. it was extremely upsetting to deal with this and more needs to be done to help consumers stay safe.
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XX/XX/23 at XXXX I received an email from Capital One stating " Congrats on opening your new 360 Performance Savings account with Capital One. '' I did not open any accounts and do not have any accounts with Capital One whatsoever. I called Capital One fraud protection service and the account was flagged for unusual activity, I received another automated email from Capital One stating that a copy of my ID will be needed to continue using the account, or it will be closed in 14 days. I obviously will not be sending them my ID, however I do not know if a copy of my ID is in possession by the fraudster.
Company Response:
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This complaint relates to a prior dispute with Capital One regarding my checking account, CFPB complaint # XXXX, which has been closed without a satisfactory resolution on my part. My complaint was submitted to credit my Capital One checking account with {$3000.00} that was deposited by Capital One to their own account and not to any of my Capital One accounts. Instead, on XX/XX/2023, they debited my checking account {$3000.00}, leaving me instead with a net debit of {$6000.00}, the amount which Capital One then owed me. Then, as stated in their letter of XX/XX/2023, on XX/XX/2023 Capital One credited our credit card {$3000.00} and on XX/XX/2023 they credited our checking account {$3000.00}, 'reversing their previous error '. In the meantime on XX/XX/2023, seeing that my credit card was credited for {$3000.00}, I asked Capital One to close the credit card account and asked for a credit balance refund of {$810.00}, which I did receive, # XXXX. Then, instead of closing my credit card account, on XX/XX/2023, Capital One debited my credit card {$3000.00}, which it continues to insist that I owe with late fees and interest charges. Their accounting has never allowed me to recover the {$3000.00} that Capital One has stolen from me! I have spent countless hours on the phone, often speaking with untrained representatives who will not attempt to understand my problem, trying to resolve this issue. I have filed a claim with Capital One that the XX/XX/2023 debit of {$3000.00} to the credit card was fraudulent on their part and have requested that the debit and all interest charges be reversed. I have not received any reversal of credit card charges or other response to date. Capital One still owes me {$3000.00} and restoration of my excellent credit history.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A