Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A demand letter was sent to Capitol one dated XX/XX/2023 and I didn't receive any response. Now I am taking this matter to a whole new level being that Capital one want to continue to lie and disrespect me along with assassinate my character steal my money aggravate me cause me all this pain anguish and frustration when all they had to do is look at the date and time on my paperwork. I am gon na file a lawsuit on the matter then maybe I'll get my money back from these apathetic self righteous, people. I still do business with capital one. It was {$300.00} they took out my account. I sent Capital one my proof and to no avail still no resolve. My claim will be for {$5300.00}
Company Response:
State: NY
Zip: 10459
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened an account with Capital One and when I paid by endorsing my bill of exchange according to the Bills of Exchange Act they completely ignored the instructions I gave them to transfer my principal 's balance to the principal 's account. On XX/XX/, I sent the instructions with the negotiable instrument that they provided correctly and gave them 5 business days to complete the instructions, They then restricted my account. After that, on XX/XX/, I sent them the instructions again to give them an opportunity to cure and they ignored me again. on XX/XX/, I then sent them instructions the third time titled default notice and they ignored me again and also sent me another bill. I have performed in good faith according to the bill of the Exchange Act, I also sent them the laws to reference Federal Reserve Act Section 16 explaining that the Collateral Security is the Application they received. The XXXX completely ignored my instructions. I have all the proof and enforcing Federal Reserve Act Section 29. For Breach of Contract. Please Note every time I send communication include a copy of the instructions and a copy of the coupon. this is a pattern of non-performance. Federal Reserve Act 29.
Company Response:
State: TX
Zip: 79924
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Requested for the original contract with my signature to be sent to me. There is still no reply to my request.
Company Response:
State: IL
Zip: XXXXX
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: By way of background, I had a subscription with XXXX in the spring. I canceled that subscription with XXXX, and XXXX sent emails confirming cancelation of the subscription and, further stating that they would turn off auto renew so that I would not be charged when the subscription ended on XX/XX/XXXX. HERE IS MY COMPLAINT : On XX/XX/XXXX, XXXX charged my credit card for {$150.00} without my authorization and despite the fact that I had already canceled my subscription which XXXX acknowledged in writing was canceled. On XX/XX/XXXX, I called XXXX to try to resolve the issue on my own but XXXX refused to refund the {$150.00} which they fraudulently charged to my account. I called Capital One to explain that XXXX charged my account without authorization. I was told by a Capital One representative that I needed to open a claim for fraud. Capital One closed that account and sent me a new card. Capital One sent a letter on XX/XX/XXXX telling about how they would investigate. Im providing a copy of Capital Ones XX/XX/XXXX letter. Subsequently, I received two letters from Capital One, both dated XX/XX/XXXX. One letter advised that the investigation was resolved and that if the merchant does resubmit a charge, they would notify me with a request for additional information ; the other letter ( same date ) stated that after researching, they found insufficient evidence of fraud. Copies of both of these letters are provided for your purposes. Upon receiving these letters on XX/XX/XXXX, I telephoned Capital One to ask how I benefitted from the transaction. A representative told me that the fraud case was closed and that I needed to file a dispute. I did that over the phone and was told that, if additional information was needed, I would receive a request for additional information in the mail. I subsequently received two more letters from Capital One, both dated XX/XX/XXXX. One letter states that its an update to my dispute for the XX/XX/XXXX XXXX charge of {$150.00} and that they have asked the merchant to respond to my claim ; that if the merchant provides a response, they will review it and theyll let me know if they need additional information from me. The other letter related to an update and gave additional information about their ability to block a merchant from charging my account except that it does not relate to recurring charges. Both of these Capital One letters dated XX/XX/XXXX are provided for your purposes. On XX/XX/XXXX, I received another update letter from Capital One. I am providing this letter for your purposes, too. Im not sure which letter of XX/XX/XXXX they are referring to was sent in error because I received two. On the same date, XX/XX/XXXX, I received another letter from Capital One dated XX/XX/XXXX regarding an update and requesting additional information from me which they said I could fax or mail to them. I completed their forms and mailed them back to Capital One, using my own envelope and postage because they didnt provide one and because I dont have access to a fax machine. I mailed the completed forms with a letter laying out the chronology of events and also provided true and correct copies of the emails from XXXX which I marked as Exhibits. The emails from XXXX clearly state that my subscription would end on XX/XX/XXXX ; acknowledged that I canceled my subscription, and they further stated that it would not auto renew. Basically, XXXX sent good-bye letters to me. Today, XX/XX/XXXX, I received a letter from Capital One dated XX/XX/XXXX, with another update to the disputed XX/XX/XXXX XXXX charge of {$150.00} in which Capital One also said they are adding the disputed amount back to my account because they said I am out of time for disputing a charge. I called Capital One and spoke with their representative XXXX who acknowledged that they received my completed form and proofs on XX/XX/XXXX. She told me unfortunately I did not meet the deadline to dispute the claim. When I told her that I dont understand how thats possible since the charge was made on XX/XX/XXXX, she said that I need to send another letter to Capital One explaining that I am disputing the XX/XX/XXXX, charge and that I tried without success to resolve the matter with XXXX ( even though I thought I had already given sufficient detailed information in my written statements and their own letter stated that the dispute was for an XX/XX/XXXX charge ). ( Please note that the letter is dated the same day they said they received my completed paperwork and proofs. ) XXXX said she would send me a link where I can upload my letter so that it can be reviewed quickly ( so that the 60 day time period does not expire ). I am providing Capital Ones XX/XX/XXXX letter for your purposes. I am sending the letter to Capital One as was requested of me but, at the same time, I am also filing this Complaint because I have been getting nothing but a run around from Capital One and don't expect to receive fair treatment. If they had read the information I provided in the first place, including the emails, they would see that XXXX is seeking to unjustly enrich itself. The credit card company is facilitating that embezzlement.
Company Response:
State: NJ
Zip: 082XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to CAPITAL ONE XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONEs customer service representative.
Company Response:
State: CA
Zip: 91706
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: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023, I got a response from Capital One that my credit limit increase request was denied due to legal action pending against me.There were no other further details that explained that meant. Ive a XXXX capital one cards for over a year and got a {$100.00} increase last year. I called Capital One customer service on XX/XX/2023 and talked to XXXX different people who couldnt help me. The last person I spoke with said no one at the company has that information and cant access it because they arent the ones who decide the reasons for any payment increase requests.
Company Response:
State: MI
Zip: 48207
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I want the inquiries to be removed. I didnt authorize the companies to run a credit check the information is fraudulent.
Company Response:
State: NC
Zip: 283XX
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: 2023-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Credit cards and hard pulls along with incorrect names/ numbers and addresses are attached to my credit report. Open credit cards that capital one can not locate associated with my social security number but are reported on my credit report. Credit bureaus have been contacted.
Company Response:
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: When I apply for any credit card, I get denied with no specification as to why. When I log onto XXXX it appears negatively on my report but don't know why. I haven't been able to apply for any credit cards. Also, Capital one is trying to garnish my wages when I am in Financial hardship. What are my options or can do, without filing for bankruptcy?
Company Response:
State: CA
Zip: 90242
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A