Date Received: 2024-01-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I'm filing this complaint because of an unsatisfactory or fair resolution with Capital One Venture X credit card. Details : I booked airfare on XXXX through Capital One Travel on XX/XX/XXXX for a trip on XX/XX/XXXX leaving at XXXX XXXX and arriving at XXXX XXXX ( XXXX hour layover ). I paid for this airfare with my yearly {XXXX} travel credit which I'm given as a benefit with the rest being covered with credit card points. I was notified by XXXX on XX/XX/XXXX that they canceled my original flight and rebooked me on an alternative flight leaving at XXXX XXXX and arriving at XXXX XXXX ( XXXX hour layover ). Unfortunately, XXXX 's alternative travel times did not meet my needs so I needed to change them. I contacted XXXX for additional flight time alternatives, but they couldn't provide me with any acceptable options therefore I had to find another airline that could meet my needs. Once I found a replacement flight using the Capital One Travel portal, I canceled my XXXX flight. When this was being completed, I noticed a credit for the {XXXX travel credit and the points I used back in my account. I then rebooked a new flight with XXXX XXXX on the same date and destination as the original travel using the Capital One Travel portal. As I was completing the purchase for this trip, I noticed that the XXXX travel credit was not available for me to use and when I looked at the account, I could see that it was put back in my account when I canceled the XXXX trip, but then it was listed as expired as of XX/XX/XXXX. I contacted Capital One Venture X and they said that the {$300.00} travel credit expired and they couldn't backdate it so I could use it again for this replacement travel. They offered to escalate the issue for resolution and would get back to me within 7-14 days. I told them that if they couldn't backdate the {$300.00} travel credit, then I would also accept an alternative of issuing me the {$300.00} in credit card points which would be XXXX points. I rebooked the replacement airfare with Capital One Travel on XXXX XXXX and paid for the purchase with all credit card points since the {$300.00} travel credit wasn't available to use. On XX/XX/XXXX I called Capital One Venture X customer service, they called me on XX/XX/XXXX and asked me to call them back, to discuss the resolution of my escalation. The result of my escalation to Capital One was that they were telling me that they couldn't give me the ability to use the {XXXX} travel credit because it had expired and that they couldn't issue me the same amount in credit card points as a replacement either. They didn't offer any other alternatives or support and just told me that they were sorry but my {XXXX} travel credit expired and they couldn't offer me anything to resolve the situation. I explained the situation again and asked to escalate this and I was put in contact with a supervisor. I again explained the situation and she told me the same answer. I asked her to escalate the complaint and she put me on hold to talk to another person but then came back with the same response that they couldn't do anything for me and there wasn't a way to escalate any futher. This is why I'm creating this complaint with the CFPB. I understand this wasn't Capital One 's fault, nor was it my fault, but rather it is XXXX 's fault which is why I canceled my trip with XXXX. I was really expecting that Capital One would have allowed for a 24-48 hour window to reallocate the usage of the XXXX travel credit before it would have expired for situations like this where it's a cancellation and rebooking, or issue credit card points as a replacement. I am very disappointed with how Capital One handled my situation especially how they didn't offer any type of a resolution at all that could have been seen as good will or good customer service. I feel that I'm the one that has been taken advantage of to the tune of XXXX
Company Response:
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: During the height of the XXXX period. The stores accounting department was shut down. During this time I was being billed for a product that had been returned. The issue was corrected and all fees were dismissed, but on my credit report it still reflects late or missed payments
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for Venture card using the pre-approval and XXXX hard inquires for XXXX credit card application on XX/XX/2023.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this request to CAP ONE AUTO that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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: Capitol One Spark Card was used to buy a XXXX piece of used medical equipment through XXXX. Item advertised as full working condition but delivered inoperable. Seller requested that I have his associate in the area look at it prior to sending it back. I immediately started a dispute with XXXX and Capital One. Over the course of 4 weeks I paid to have the item repaired enough to power it on and realize that it was still not operational so I arranged for it to be returned to seller ( XXXX ). The seller had XXXX XXXX XXXX pick it up and confirmed its return. I contacted the credit card company for a response on when to expect the credit, and was told that it was XXXX that was suppose to credit me. XXXX stated that the dispute was open and that the credit card company would credit me. Ultimately after months of waiting and sending in more requested documents, Capital One bank stated the time limit expired on the dispute and even though they had all the needed documents to credit me they would not because of the time limit, and I should again contact XXXX that still saw the dispute as open to get the refund. When XXXX was again contacted, they said that no dispute was ever opened with them ( even though it was within a week of getting the item delivered ), and they cant even share with me whether the seller received the payment or not since its a violation of their policy. They did however shared that their system should that the seller did not dispute my request for return and refund but couldnt explain why Capital One credit card would not issue the refund. The Seller claims that they still have not received payment. As a consumer, I cant get Capital One to credit me on the returned item because they stated they needed more information and supposedly requested it via letters that I didnt receive. They on XXXX occasions afterward requested that I send more information via a link which was supplied both times, including a lengthy text exchange between the seller and I verifying that they accepted the unit back and was offering a full refund. At this point, I continue to have a balance on the Capital One credit card for the XXXX purchase price, and now its accumulated interest. They wont allow the dispute to be reopened and refuse to refund the money. XXXX states that they can do nothing, and wont verify if the monies were received by the Seller. The Seller claims they have received the returned product but have not been paid so wont credit me directly. Please help me with this convoluted issue to get justice.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX XXXX XXXX XXXX XXXX from a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXn. After her death, I learned that she had named me the executor of her estate. I have spent the last 14 months working with her attorneys office to wind down her affairs. Last month I learned that she had an account with Capital One Bank. In reviewing her bank statement, I observe that on XX/XX/XXXX someone made two withdrawals from her account. On XX/XX/XXXX someone made a third withdrawal and closed her account. I have made more than XXXX inquiry to Capital One to find out who conducted those transactions, but the bank has been slow to respond on what should be straight forward questions : who was authorized to conducted those transactions and where were the funds transferred to? XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Based on her other financial papers, I do not believe anyone else was a signer on this account so I need to identify who moved the funds. The attorneys office has reminded me that the estate is responsible for taxes based on the decedents financial profile at the time of her deathincluding her account at Capital One.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking my credit report and noticed that I have multiple inquiries showing on my credit report that I have no knowledge of or never did business with to pull my credit report.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: no knowledge if this hard inquiry and hard inquiries is a result of identity theft and must be removed within XXXX and XXXX hours XXXX business days 15 U.S code 1681c-2
Company Response:
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have called and spoke to these financial institutions about the information ** XXXX XXXX XXXX** Bal- {$0.00} Dates- XXXX. XXXX XXXX. XXXX They did nothing after I spoke to them **XXXX XXXX XXXX** Bal- {$680.00}. Dates- XXXX. XXXX XXXX XXXX. They did nothing after I spoke to them **Capital One**. Bal- {$620.00} Dates- XXXX. XXXX XXXX XXXX. They did nothing after I spoke to them **XXXX XXXX XXXX**. Bal- {$1900.00}. Dates-?? - currently active. They did nothing after I spoke to them
Company Response:
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2024, I received a letter from Capital One Auto Finance stating they attempted to pull all three of the major bureaus to obtain my credit reports. I have not had any contact with this bank regarding any auto loans and did not authorize them to do this. Luckily, I keep all 3 of my reports frozen until I actually need to use my credit. My problem is they should not be randomly attempting access to my credit without my authorization. What if I wasn't a smart consumer and hadn't locked down my reports? I have a major purchase coming up in the next couple of months and do not want random banks thinking its okay to arbitrairily attempt credit pulls they aren't authorized to pull.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A