Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Filed police report, called and tried to resolve incident with all credit bureaus, and credit card companies, certified mailed all required documents to credit bureau to solve this matter. This is my 2nd issue with someone using my information fraudulent and credit bureaus were aware back in 2019, the police report is on file for 2019 as well, and a credit freeze added to my personal information. Now a address with XXXX, Illinois appearing on my credit reports with credit cards with address to XXXX, Illinois.
Company Response:
State: GA
Zip: 30281
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: 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 notified Capital One of fraudulent charges on XX/XX/XXXX. The charges were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made it clear to the agent when I filed the claim that I caught these charges so late because my father had passed in XXXX of XXXX and I had been managing opening XXXX businesses, a property, and the estate. I caught these charges when compiling a year end accounting for the estate. After being escalated to supervisors they made it clear to me that no investigation was actually made into the fraudulent charges and that they closed the investigation before beginning it because of the timeframe of the claim. They have fine print which states you have a certain timeframe to make claims on fraudulent charges -- the original agent I spoke to when making the claim said that it was good I called when I did because I was just inside that window -- though now they are saying that it was not. This is a disingenuous business practice at best and fraudulent advertising at worst. They claim to protect consumers against fraud and yet they allowed ~ {$3000.00} of charges to questionable XXXX websites occur in the span of 6 days that clearly do not line up with my purchase history. They are holding me responsible for the fraud, which they admit they haven't even investigated the merchants, simply because I failed to call within an arbitrary timeframe. They DO NOT provide fraud protection, it is still the consumers responsibility to catch and notify them of fraud AND to do so in an arbitrary timeframe. These charges ARE fraud and it's very clear to anyone with intelligence simply by looking at the merchant names and the correlation in quantities charged.
Company Response:
State: VA
Zip: 231XX
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: XX/XX/2022 XXXX XXXX reported a hard inquiry on my credit Profile I did not approve of this or know of even speaking with them
Company Response:
State: VA
Zip: 23502
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Capital one reporting a balance on a sold charged off account asking for a balance and collections also asking for a balance. I never said the account was not mine I asked for validation. Please focus on you reporting a balance on a charge off sold account. Where is my 1099? You can't report income on my credit file.
Company Response:
State: GA
Zip: 30311
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: I always paid and pay on time and Im on auto payment set up with all of my credit cards and capital one all of sudden reduced my maximum allowances from {$5000.00} to {$3000.00} without any notifications and reported to transition with no valid reasons. I called them numerous times to explain why such a change even though I was always pay on time and on auto set up so I can not be late on any payments what so ever. They never replied back and instead reported to credit bureau XXXX XXXX with NO VALID REASONS AND I need this report to be removed immediately and my credit got all messed up due to this nonsense act by capital one and very shady act. Must be reported and must be removed ASAP immediately please.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Reached out to company in accordance to federal law15 U.S. Code 1666b - Timing of payments, stating that a creditor may not treat a statement on a credit card account under an open end credit plan as late for any purpose. This form of communication was attempted via phone as well as mailing in letter. No response was provided for letter that was mailed after the following call details below : Attempted to make payments, in addition to this. According to Customer Service representative, they did not believe the creditor would remove and refused to look into removing these late payment reports with myself paying the owed amounts. I was unable to speak with anyone personally regarding this issue, beyond a customer service representative, who stated that this was out of their scope of resolving. Late payments still remain on my credit.
Company Response:
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Capital One Bank has participated in unfair and deceptive practices with their VentureOne credit card. I was charged a fee for XXXX on XXXX for not paying my full previous balance. This is not accurate. I paid my balance in excess for the month, but Capital One said I did not get credit for the payment of XXXX because it happened one day before my cycle date. I attempted to call and resolve on XX/XX/XXXX but the specialists and supervisors we uncooperative and rude. The funds were not withdrawn from my account until the DAY AFTER cycle ( XX/XX/XXXX ). They also stated they have no ability to reverse fees. Their system does not allow it. I know for a fact this is not true and do not appreciate being lied too. They need to be held accountable for not only how they treat their customer of over 15 years but also providing false and inaccurate information about what they can and can't do. I attempted to escalate further but the response I was given was to call back and I would get another specialist and I could then ask for a different supervisor. They expected me to stay on hold in the effort I would just give up. This has now become not about the money, but about how this company thinks it can treat a loyal customer. If they do this to someone that has been with them over 15 years, I can not imagine how they treat other customers. Capital One should be embarrassed with how their specialists and leadership treat me.
Company Response:
State: IL
Zip: 60177
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
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 booked a hotel through the Capital One website for XX/XX/2023, through XX/XX/2023. The reservation was at an XXXX XXXX with a fully equipped kitchen and king-size bed. When we arrived, first we were put in a room with no kitchen and two full-sized beds. Additionally, the air conditioning was not working. After talking to the manager, they moved us to another room with a kitchen. The room smelled of cigarette smoke, the bathroom exhaust fan was hanging from the ceiling, the bed sconces were falling off the wall, and the kitchen was empty ( no supplies ). I talked to the manager, but it being XXXX XXXX XXXX they had nothing else. Having no other option, we tried to stay, but the room and overall hotel were unpleasant and unsanitary. I got home immediately, called Capital One and XXXX XXXX, explained the situation, and sent pictures of the rooms and what was advertised when I booked the reservation to them. They provided a credit, and I thought we were done. On XX/XX/XXXX, they reversed the credit and sent me a letter saying they had not received any documentation from me. I called, talked to a representative, resent all the documentation, and confirmed with her it was received. She told me they were re-applying the credit. Nothing was adjusted, and when I received my next statement, I called again. I spoke with XXXX in XXXX and then supervisor XXXXXXXX XXXX XXXXXXXX. They told me they had no documentation that allot time had passed there was nothing they could do for me.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX I filed a fraud dispute with Capital One for the following charge on my card ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Along with the dispute form, I sent evidence that the merchant was not going to give me the purchased item. Capital One mailed me a form letter telling me to call them. I called them and they stated they " couldn't find the charge on my account '' and that I needed to send them " screenshots of the Capital One account showing the charge. '' I mailed them screenshots of their website along with the final notice that if they did not return my money, I would be contacting CFPB. They mailed me the exact same form letter back and have made no effort to assist or contact me to get this resolved. I have now spent over 10 hours on the phone, printing lettters, mailing letters, etc. which has cost me over a {$1000.00} in lost wages and salary. Capital One purposely makes their fraud process confusing and time-consuming in the hopes that customers will give up.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: At end of XXXX Cap One called to ask questions about my account activity, specifically the XXXX payments I received. I have never had a bank call to ask personal questions about my transactions, I was quite taken aback. Apparently they did not like my answers when they started questioning me about names and their phone numbers. Next I knew, when logging into my account, there was a message stating " Your funds are currently not available for withdrawal. '' Please call us at XXXX regarding checking and savings accounts. I tried calling, sometimes three times daily, but always got a voicemail, which said Leave your information, and we may call you back in 48 hours. That has yet to occur has of today XX/XX/XXXX. 2023. On XX/XX/XXXX I received a letter with my savings account balance. No mention was made about the checking account balance. I continued to call, and when someone answered ( rare ) I was told the account was still under investigation, and no information could be provided. I continued to call approx 4 x weekly, and have kept a diary of those attempts along with the multiple numbers I called. Still no response.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A