Date Received: 2023-09-14
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 or around XX/XX/2023 my capital one Quicksilver credit card ( ending XXXX ) was Unauthorized charged multiple times online and in store. ( Total amount around {$660.00} ) I reported the fraud transactions to Capital One and without any investigations or proof of their investigations they denied my claim. I am not willing to pay a single XXXX towards these Fraud Charges since I did not make these. Please assist me in resolving this and ask Capital one to provide proof of investigation.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: did not authorized transaction. Capital One XX/XX/22
Company Response:
State: NC
Zip: 27893
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a credit card with Capital One prior to the pandemic shutdown. In XXXX XXXX XXXX I was rushed into XXXX XXXX and spent the rest of the year healing combined with the fact I lost my job like millions of others due to the pandemic. I was behind on payments until XX/XX/XXXX when I paid off the balance completely via the mobile app I used to have for Capital One. It's now XXXX and the balance is still being reported as unpaid on my credit report and it has apparently been given over to collections illegally due to the balance already having been paid. This is severely affecting my ability to get other credit, cars or housing. I understand that this may be a system oversight so I am asking that Capital One update the balance to reflect as paid since XX/XX/XXXX. Thank you.
Company Response:
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: You closed a case that was not resolved with Capital Oneconcerning unfair lending practices. My complaint is against Capital One and you for closing the case without resolution
Company Response:
State: WV
Zip: 26508
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was inappropriately charged an annual member fee after cancellation. My cred card acct was billed an annual membership fee after cancellation in XX/XX/2023. Charged unfairly {$39.00} dollars on XX/XX/2023 on # XXXX then {$29.00} on XX/XX/2023. Charged {$39.00} on acct XXXX on XX/XX/2023 and late fee of {$25.00} on XX/XX/2023. Capital One refused to reverse fees XXXX or reach resolution I am disputing these charges until issue is resolved to my satisfaction Further complaint against Capital One for only employing telephone representatives in XXXX.
Company Response:
State: CA
Zip: 92211
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. Thank you for your prompt attention to this issue.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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: This is in regards to my Kohl 's store credit card ending in XXXX for XXXX XXXX XXXX XXXX ) and last XXXX digist of XXXX XXXX. As of XXXX, I had an {$86.00} credit balance shown on my account from a duplicate payment made in XXXX. I made a purchase XX/XX/XXXX of {$21.00} to go against my credit balance of {$86.00}. I spoke with the customer service rep at the store and was told that i had a credit balance. So i made my purchase and thought i still had around {$65.00} left in credit balance. I do not get statements mailed, even though we've requested them a XXXX times to be sent. I do not get paperless statements either and so i thought i had nothing due. XX/XX/XXXX, i was charged a late fee for my said purchase of {$21.00} and then XX/XX/XXXX i was charged another late fee and then negatively credit reported on that i hadnt paid the bill within 30 days. I had no idea i had a bill due, as i thought the purchase was put towards the credit, therefore making nothing due to pay. However after calling Kohl 's customer service line today, XX/XX/XXXX, the lady that helped me ( ID # XXXX ) told me that Kohl 's mailed me a refund check! Which i dont believe i ever received and asked if it had been cashed which she did not know. Additionally, she was unable to find my account for a good XXXX minutes, even though i had verified everything she requested. The lady then refunded me the late fees, however i had already paid the full balance of {$75.00} right before i called in. So she said that within XXXX hours my account would be updated and then i'd have another credit of the late fees that were refunded. I wanted to close my account since Kohl 's credit card makes it nothing but hard to pay your bill, as they dont send statements, you cant view statements online even though it says the last 3 months are available for viewing, it just shows no data available when you click it, and they dont offer auto pay like every other possible credit card company in XXXX. So since i'm closing my account she said she would mail a check for the refund of the late fees. So now she's supposedly sending me XXXX refund checks in the mail. Afte that i asked her who i can speak to about making a complaint about my situation. She then gives me the number XXXX to call. So i hang up and call the number, and its the exact number i was just talking to her on!!!!! So i have to redo all the verification, finally get to another customer service rep, and he cant find my account AGAIN!! So i ask for a supervisor and he cant send me to one without verifying my account, which he cant do. All in all, i want to ensure i get my 2 refund checks, my account closed so i dont have to work with this deceptive, incompetent company ever again, and make sure the CFPB is aware that they don't send statements, their online website to view statements is lacking and they screwed me over with my negative credit reporting as they told me i had a credit to put my purchase against and then " billed '' me for it with late fees. I've never missed a payment on my credit history! My only one is with XXXX! Because they're deceptive, unfair and abusive and make it difficult for customers to pay! Definitely a XXXX in my situation, as i could not have avoided the harm to my credit reporting as they told me and reflected it on my statement that i had a CREDIT BALANCE!
Company Response:
State: NE
Zip: 68521
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 someone presented a fake license in my name and withdrew {$5000.00} from my personal checking account. They withdrew with a counter withdrawal slip {$2500.00} at XXXX XXXX XXXX, XXXX, LA Teller : XXXX XXXX ; Bank Manager ( XXXX XXXX ) - signing an entirely different name from mine ( true account holder ) and still successfully received cash money. They withdrew {$2500.00} again at another location on same day : XXXX XXXX XXXX, XXXX, LA. I spoke with Capital One Fraud team and both bank Managers in an attempt to secure the account and to refund money stolen and to secure the video footage associated with the felony on XX/XX/2023. I filed a police report on XX/XX/2023 and met with my local Capital One Bank Manager and a member of Fraud team ( called in to the physical meeting ) to get incite on when any of my residual funds would be accessible ( I needed money to pay bills ) and to find out if money would be refunded that was stolen. I was advised it would take another 3-5 business days before new accounts would be accessible containing my residual funds. The {$5000.00} should have never been released due to an erroneous signature noted on the withdrawal slip that didnt match name on file for account and without additional identity verification before giving away the account number to the thief. There are no real security measures at Capital One Bank!! None.
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. Thank you for your prompt attention to this issue.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am blocked access to my account with no notice. When I try to login to my account they show a message to call XXXX XXXX XXXX XXXX XXXXXXXX that no one answers. Called that number at least 10 times in the last 45 days, it always goes to an automated attendant with no option to reach a human agent.
Company Response:
State: MI
Zip: 48335
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A