Date Received: 2023-09-25
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 recently spoke with XXXX 's Special Handling Department and inquired about whether the reporting creditor had provided them with proof of ownership in regards to a dispute involving a business account that's being reported on my personal credit profile, despite my lack of responsibility for it, as well as a collection account that I have no knowledge of and have never had an account with that creditor at that address. To my surprise, I was informed that they do not typically request documentation for validation ; instead, they rely solely on a response from the creditor, deeming it valid. I then raised the crucial question : How does this process guarantee the accuracy of the reported account information? In response, I was simply informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, XXXX would continue reporting the inaccurate information. I emphasized that I had already included a letter from the creditor validating the inaccuracy of the information. In light of this, they mentioned reopening the request, but cautioned that if the creditor once again responds with a validation, XXXX would continue to report what the creditor wishes, leaving me with no recourse but to contact the creditor directly to dispute the information.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX just before XXXX XXXX, I attempted to deposit {$2600.00} in cash ( all {$100.00} bills ) at the Capital One Bank, located at XXXX XXXX XXXX in XXXX, MD. This branch is referred to by Capital One Bank as the XXXX XXXX XXXX. The cash deposit was made at the drive through ATM on the far left, nearest the bank building. I inserted my card and signed in, indicated I was making a cash deposit and, when prompted, inserted the cash. The ATM took the money into the machine. Immediately after taking the cash a yellow long narrow box appeared in the middle the screen with the message that an error had occurred but did not indicate what type of error it was. The ATM screen then went back to the sign in screen but now with a message at the top that cash and check deposits were not being accepted at this machine sorry for the inconvenience. No receipt was given because the machine had shut down. I immediately parked and went into the bank and spoke to a branch employee located in one of the cubicles. I asked her to check the ATM. She stated there was no one who could open the ATM and check it for my deposit. She stated she could not do that and the only was to proceed was for me to file a claim which I did. The claim is # XXXX. I was also told I would be contacted by email, my email was provided at that time. I received a letter dated XX/XX/XXXX stating they were working on my claim ( no email ). After no further communication, I called claims followup at XXXX on XX/XX/XXXX and was told that an email had been sent and the claim was denied. I did not receive an email, either in my in box or spam/junk file. I requested via phone to know what actions by the bank were performed to investigate the complaint. I called back a second time that day ( XXXX ) and requested to speak to a manager. The manager kept asking if I had a receipt which I did not due to the ATM closing out my transaction. She pulled up some files and stated that the video showed me at the machine as I claimed but could not verify the money deposited. She stated they would investigate further and contact me by email. I have received no communication at this writing. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating my dispute was resolved and they denied my claim. This was obviously sent before my phone call. I believe I have followed proper protocol concerning this claim but I am not satisfied with the result which does not contain detail steps the bank took to recover my lost cash funds.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
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: On XX/XX/XXXX I paid {$78.00} to the US Post Office located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX to deliver a package in express time to the city of XXXX in XXXX. This shipping was an urgent package and the teller said that they would deliver the package in 3-5 business days at the most. She collected the funds which were paid with the Capital One credit card ending in XXXX. I was given a tracking number to follow my shipment, but the page was being updated every 48 hours. It took the US Post office 3 days to get the package from XXXX to XXXX XXXX which is a 45-60-minute drive from XXXX where the shipping post office is located. Eventually 7 days later the page displayed that the package was en route to its destination and I was confident that its recipient was about to receive it but 2 days later the website showed the package as being returned to me. My nightmare was just starting I called the customer service number to inquire as to why the package was returned after the US Post office had missed the deadline I had paid for. I waited for close to 2 hours for a human being to pick up the phone and when someone finally did, they were more concerned about who had processed the payment and shipping label instead of being focused on why this package was returned to me. The person kept me close to 45 minutes on the phone just to file a complaint about the teller who really was no longer the problem at that point. The customer service representative made me repeat three times the address of the US Post Office that I sent the package from. I spelled the address and repeated over and over. This person then proceeded to telling me that a manager from the shipping post office would reach out to explain what had happened and that I could only be refunded if I filed a personal complaint about the teller who had processed the order. The next day I received a call from the US Post Office located at XXXX XXXX, XXXX, NY XXXX, a completely different post office location which had nothing to do with the one I had shipped my package from!!! They stated that they had nothing to do with the package being returned but that they were holding it and would be sending it back to me on the next route. On Saturday XX/XX/XXXX it was pouring rain and I found myself stuck at home all day expecting the package to be returned to me. The US Post Office threw it on the street by my apartment building outside door under the heavy rain : they did not call nor rang the buzzer but left it under the pouring rain and without any consideration for everything they made me go through for an insignificant overseas shipping. I picked up the package and spent another 45 minutes commuting to the location where I had initially shipped it from. I waited another 35 minutes on the line and asked to see a manager but was told that they were none on the premises. I then asked for my card to be refunded and the teller lost patience, adopted an obnoxious attitude, and said that I had to deal with a manager because she herself had no authority to refund the card. She let me know that the manager was available XXXX Monday to Friday. I am a full-time employee with a long daily commute, and those hours make it impossible for me to leave my job to waste further time with a dysfunctional organization like the US Post Office . The teller was rude and made some inappropriate and entitled comments in front of everyone standing on the line and it was clearly upsetting. The US Post Office not only did not do their assignment, but they also gave me the run around and treated me like a non-human being let alone a paying customer. I have been really puzzled at the lack of care, lack of consideration, lack of empathy, lack of work ethics and lack of genuine desire to help. I then decided to dispute the charge with Capital One and they sided with the Post Office stating that the purchase receipt states that all sales are final! Well the US Post office should be held accountable for their actions and Capital One, my bank should have a fair judgement and refund my card. I have been a customer of Capital One since 2007 but did unfortunately not find the support and understanding I was hoping to receive in this matter to retrieve my money. Therefore I am hereby filing this complaint to be refunded for my {$78.00} because the US Post Office did not render the service it was paid for regardless of whether " all sales are final ''. The amount paid is significant and should be refunded as the package was sent back to me and dropped under pouring rain. I am asking Capital One to refund me promptly else I will file a complaint with the XXXX XXXX XXXX and will proceed until I get refunded. Thank you in advance for your time and consideration.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
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 express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account was opened in 2014 ( XX/XX/2014 ). XXXX which means this old credit card should not show on credit report, ,article 18, false reporting, this is fraud, this credit card reporting is past the statue of limitations, they keep putting in on my credit report and it shows up potentially negative. this is hurting my credit and should be removed asap.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to make a wire transfer from my checking account, but my money immediately became unavailable for me to wire out or withdraw. I called the number they gave to me and I spent over 10 hours with the bank on the phone in 3 days, I was transferred to different departments by the bank again and again, and they never helped out with anything. Their employees had no idea how to help me get my money. As of today, I am not able to move my money and I have no idea what the reason is and I have NO idea when I can get my money, I need my money to pay bills!!!
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
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: I purchased a casket online from a merchant called XXXX XXXX XXXX XXXX on XX/XX/XXXX because my husband passed away the week before. The casket showed up broken on XX/XX/XXXX when the funeral was the next day. The merchant admitted by text that the casket could not be used and he would refund me. The funeral home sent a letter with all the details of their account as the casket arrived to them damaged and couldn't be used. I sent pictures of the broken casket to the merchant and all of the documents, text, and pictures to Capital One. The cost was {$2400.00} for the casket. Capital One gave me a credit on XX/XX/XXXX bit then charged it back again on XXXX. I told them that I wanted to dispute the charge again and they said that the case was already closed and there was nothing they could do. This time was difficult enough with the passing of my husband but to have Capital One deny this dispute with all the information that I provided during this difficult time for me, it seems that they are taking advantage of an elder woman when she is already beat down.
Company Response:
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts dont belong to me. I dont know why theyre on my credit profile. Theyre not supposed to be. I have no knowledge of these accounts.
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital one fiance misuse of down payment, etc & capital one data breach had many inquiries and my other credit card and accounts being hacked and resulting in multiple credit repair costs and credit monitoring etc.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received my credit report on XX/XX/XXXX, XXXX from XXXX XXXX XXXX, and XXXX XXXX There are some accounts I don't recognize and inquiries I didn't authorize.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A