Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I apologize for the lack of dates. Today 's date is XX/XX/2023 what has transpired has been within the last 30 days. I can not log into my capital one app even after downloading it again as directed. I find this highly suspect. I am writing this letter to inform you of a grave mistake that was done to my credit by my credit card company. Personally, I am.still amazed that I am made to fix the issue alone when Capital One has already admitted they made a mistake. Making this an internal matter to fix. If the situation involved a XXXX party company they would be all over it helping as much as they could. To the matter at hand. A concert ticket was purchased from XXXX with good intentions. I didn't I authorize it and contacted XXXX and asked for reimbursement. They agreed and sent an official email confirming it. Playing safe I contacted capital one to inform them of the situation. I was told to wait and see what they do. If by Monday they have not reversed the pending charge then they would instruct me to file a dispute. Come Monday this what Capital One and I did first thing in the morning. Not long afterwards the reimbursement {$100.00} arrived to my account from XXXX. I informed Capital One and went about my trip with my partner. At some point XXXX XXXX not paying attention as they say they do with all their XXXX advertising ignored the fact the dispute had been resolved.. and sent {$97.00} to my account. No notification came to me concerning the deposit. Instead of removing the mistake right away, and trying to blame XXXX for the error and protocol.. they waited 8 days before removing the amount. I requested the reimbursement because the {$100.00} was going towards XXXX tickets for a XXXX show. Which I purchased. Leaving minimal funds on my card that I frequently paid off my balance weekly. Currently due to their error and lack of concern towards their clients credit score, which that specific card is designed to help improve. They removed the funds they shouldn't have given overdrafts my card. My credit score went from almost XXXX down to XXXX. Canceling my application to an apartment I was waiting for. Asking for them to rectify the situation. They told me to write this letter to their very own credit repair department. Which will take all together 30+ days. I was shocked that he wanted to sit their and read this to me after he verified on a recorded line that that paid me after the reimbursement arrived on my account. Informing me that they have no way of knowing the funds were returned??? I never heard a more straight forward lie in my life. That is precisely their job. I am requesting my credit score is returned to its original state before this debacle, and they charge wiped off my account since it cost me far more than the funds they mistakenly gave. I also received a notification of a XXXX XXXX XXXX purchase today XX/XX/2023 that I did not make. " XXXX XXXX XXXXXXXX Make a payment to help avoid future declines. Hi there, Your {$6.00} purchase at XXXX XXXX XXXX on XXXX XXXX was declined because you were already over your {$600.00} credit limit. If you make a payment now, it often will be reflected in your account immediately, but can sometimes take 1-2 days. Balance summary Credit limit {$600.00} Current balance and pending charges {$680.00} Note : We dont charge overlimit fees. '' How the he'll does this company operates in such fashion boasting the desire to help build your credit and when they make a massive mistake tell you to fix it yourself ... and then allows erroneous payments to go through no notification all while they are aware of the dispute.. XXXX.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was the victim of a scam, where someone impersonated a student at my college and claimed to sell concert tickets that didn't exist. I paid for it with a debit card and discovered the scam while the payment was pending and called Capital One National Bank before the transaction was confirmed by my bank and they confirmed the transaction anyway. The total price of the tickets was {$700.00} on two transactions and Capital One National Bank gave me a temporary credit of {$700.00}. They accepted and approved my first disputed transaction of {$500.00} and gave me a final credit for that. They then however said the second transaction was authorized and retained {$200.00} of the temporary credit, even though I called them within 24 hours of making the transaction saying that I did not authorize it. I called the bank 's customer service before either transaction went through my checking account.
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX CAP ONE NA Bank XXXX XXXX XX/XX/XXXX XXXX CAPITAL ONE Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CAP ONE NA XX/XX/XXXX XXXX CAPITAL ONE XX/XX/XXXX XXXX I sent disputes letters to both the creditor and the credit bureaus letting them know that these inquiries were not authorized by me.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was told on XX/XX/XXXX that I only owe {$20.00} for an annual fee. The bill was for {$81.00}. I had paid that online, called them & they said they would credit me {$61.00}, and now they tell me they can't. I'm a senior & very upset. My balance on my credit card is XXXX. This is annual fee only. Thank you!
Company Response:
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! XXXX XX/XX/XXXX CAPITALONE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I disputed them and they remain on my credit report!
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries have been added to my credit report without my authorization! XXXX XXXX XX/XX/2022 CAP ONE NA XX/XX/2022 CAPITAL ONE XX/XX/2022 I disputed them and they remain on my credit report!
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to formally dispute and request a thorough investigation into the account information related to the alleged fraudulent account, which Capital One claims to be mine. I believe that Capital One 's actions in this matter are in violation of federal laws, including 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). I am seeking resolution and clarification regarding the following matters :
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was scammed and I use a 3rd party to send money to an individual that did not provided a service. I open a dispute claim with Capital One around XX/XX/XXXX. Once I submitted my complain, they dismissed my claim because it was to old, it was past 60 days, however I made serval transaction to the individual who scammed my dating from XX/XX/XXXX to XX/XX/XXXX. I understood that some of the charges was to old, but the more recent meets the 60 days cutoff. However, they wanted to treat all transaction as one and base on the1st transaction of XX/XX/XXXX even though they were for different reasons to the same person who scammed me. They told me write a reconsideration letter to continue the investigation, so I did. They were not satisfied but wanted to see dates on the letter explaining the situation further. I did that and they were satisfied. Now they determine that the transaction were legitimate because XXXX, the 3rd party site I used to send money to the scammer, had a disclaimer that they are not responsible for scams or money lost and any person that sends assume all responsibility and not XXXX. I understood XXXX 's reasons, however Capital One used there reasons to justify my dispute claim as there own and unfortunately that is not okay. When I made my claim with Capital One, I made the claim against the individual who scammed me, XXXX XXXX. I understand XXXX disclaimer, but it does not justify Capital One responsibility to get the money back from the scammer but Capital One states that XXXX is responsible. They asked me to right another letter which I did and submitted on XX/XX/XXXX. However, they did not accept the reasons. So I called being very frustrated and they told me to write another letter but keep it simple and state that I never received the service. The letter describe my conversation with XXXX that XXXX wanted to settle for XXXX USD for all transactions, 5 with capital one and 1 with XXXX XXXX which were use as payment and XXXX being the XXXX party to send the funds to XXXX XXXX who scammed me. XXXX refuse to have a written settlement but told me to tell my bank and they can pursue it. Now, XXXX does not have any notes regarding this and capital one no longer wants to peruse XXXX Breach of Contract but told me to write a letter stating I never received any services from XXXX. This behavior is unacceptable and tedious. No bank wants to take responsibility or pursue making the person who scammed me responsible. I also open a claim with XXXX XXXX XXXX for one of the transaction and told them what is happening with Capital One and XXXX. I told them about the disclaimer with XXXX. XXXX XXXX also denied my claim stating the transaction was legitimate however I spoke with a representative and they told me something different from there letter which I receive on XX/XX/XXXX. There reason on the phone is that they settle with XXXX the XXXX USD and now it is between me, Capital One and XXXX to fix the rest of the transaction. However, that was not I wanted, I told XXXX XXXX that it was a possibility to go that route however, the scammer is the XXXX responsible. Regardless, now XXXX and Capital one is in breach of contract and XXXX XXXX is involve even though they use that settlement as a way to not take responsibility and letting me deal with Capital One and XXXX on my own. The amount in total is XXXX USD, 1 transaction with XXXX XXXX XXXX ( XXXX USD ), and XXXX transactions with Capital One with a remaining of XXXX USD.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CAPITAL ONE -- has been closed ( Sparks business card for weeks and still showing XXXX balance. It was paid off and closed. Please confirm its paid 0 balance and closed. Credit usage 42 % Balance {$1000.00} Balance updated XX/XX/XXXX Credit limit {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Business Card
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A