Date Received: 2023-09-01
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: XXXX Balance transfer of {$10000.00} was initiated in Capital One app using the " Offers '' section of my Ventrue Credit Card XXXX I selected the offer of " 0 % XXXX % transfer fee '' with the expiration of XX/XX/XXXX. See below the attached email with this information. The email from CapitalOne does not state the offer I selected. I am enrolled in paperless billing & documents. I do not have any document or email stating which offer I selected. Continued making weekly/biweekly payments. XXXX I noticed XXXX and XXXX had been charged interest, despite my transfer offer providing no interest for 18 months. XXXX Contacted XXXX at XXXX for 1 hour and 39 minutes. I was transferred to XXXX, supervisor, from the representative. I requested documentation as proof of why I was being held responsible for a balance that is now accumulating a large amount of interest, as it defeated the purpose of initiating a balance transfer, which is why I selected the 0 % for 18 mo and was aware and willing to pay the 3 % transfer fee. She stated this must be escalated to the back office teams for credit cards in order to retrieve that type of information. I requested that the note contain my lack of email, document center document, mail, or transaction specifying which offer was selected. Also, that my offers tab still had both offers active. I requested they change the balance transfer type to what I originally selected, reverse the interest charges, and provide proof of in-app offer selection. After this was submitted, XXXX advised it would take 7-10 days for a response. She also stated she would make a new calendar event to reach back out to me on XXXX XXXX XXXX XXXX to follow up if my request was denied. XXXX XXXX XXXX for 28 minutes I spoke with XXXX XXXX. I stated the above information and requested an update since XXXX did not reach out to me. She read me the response from the back office stating they will not reverse the charges or change the offer selection. I asked what evidence they had that resulted in their decision. I again repeated that I was not provided with any documentation to utilize as proof of what offer I selected, which is very out of the ordinary. I asked what other documentation aside from the initial transaction and no 3 % fee transaction that they could see was used. XXXX stated their response again and said they dont provide that type of information. I asked once again, if I dont have any documentation as proof nor does Capital One, how is this a fair resolution? XXXX stated the back office is the highest it could have been escalated and there were no other options to resolve this. I requested to see in writing the back-office response she read to me and was denied. I did receive an email as requested with my VENTURE CC terms and conditions, that I already had access to. That document provided zero relevant information regarding my case.
Company Response:
State: TX
Zip: 77092
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I asked to provide original contract and wet signature
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Capital One lured me ( and many others ) into applying for the SavorOne Rewards credit cards by promising a cash sign-up bonus. The promised cash sign-up bonus was a substantial factor in my decision to apply for the Credit Cards XXXX Immediately after I applied for the Credit Card online, Capital One indicated that they had been approved for the Credit Card. But, even though I then spent the required amount using their Credit Cards within the specified time period, Capital One never provided me with the promised sign-up bonus. Capital Ones practice of failing to provide the promised sign-up bonus is unlawful in multiple respects. First, Capital One breached the covenant of good faith and fair dealing with consumers who have the Credit Card by failing to issue sign-up bonuses that are advertised and promised at the time consumers apply for the Credit Cards XXXX By failing to provide the promised sign-up bonus, Capital One denied consumers of the benefit of their bargain. Second, Capital Ones practice of advertising and not paying sign-up bonuses violates the Consumer Fraud and Deceptive Business Practices Act, Illinois Code Chapter 815, 505/1 through 505/12. Capital Ones promise of a sign-up bonus enticed me to apply for the Credit Cards and to spend a certain amount within a specified time by advertising terms that included a sign-up bonusthe bait. But, after I had applied, Capital One approved me for a Credit Card on different terms that did not include eligibility for a sign-up bonusthe switch. Although Capital One had switched the terms, Capital One never informed me that they were no longer eligible for the sign-up bonus. As a result, Capital Ones initial promise of a sign-up bonus incentivized me not only to apply for and open the Credit Card , but also to spend money on the Credit Card to receive a sign-up bonus. In other words, based on Capital Ones deceptive offer of a sign-up bonus, I applied for and charged purchases to the Credit Card that they otherwise would not have charged had they not been drawn in by the advertised sign-up bonus. I seek to end Capital One 's deceptive practices and will be seeking to sue for damages, restitution, and injunctive relief, in a Class Action suit.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Capital one has stolen XXXX dollars from me. I deposited a legitimate check via mobile app my mobile limit was XXXX check was XXXX the immediately flagged it as fraud closed my accounts and are not returning money. Check was a legitimate payment from the sale of a property. My partner cut me the check from bank account and capital one said they called paying bank to verify check and check is fraudulent. Mean while the paying bank my partner called them and they have no record of capital one contacting nor did my partner receive a call to verify check as capital one has stated, this bank is full of crooks and a liars. They made no attempt to verify check just stole my money and lied about. My mobile app says check is cleared and funds available but they have locked and stolen it. Only fraudulent activity is with capital one, the are holding my funds which is every dime i have and terrorizing my families life. I cant pay my bills or feed my family.
Company Response:
State: VA
Zip: 20151
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have just been XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Been in since XXXX, when i reviewed my credit report with my XXXX XXXX XXXX they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you
Company Response:
State: WI
Zip: 53546
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and several inquires from Capital One credit. I did not authorize any of these inquires. I have authorized Capital One to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with Capital One bank only and authorized for my credit to be pulled once. Please see the attached documentation.
Company Response:
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the CAPITAL ONE came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had applied for Savor One card through Capital One. There were the venture card and quicksilver. Also available for 0 % balance transfer for 15 months as well. I activated the card when received XX/XX/XXXX promotions should have been activated yesterday XX/XX/XXXX and I am still being denied the 0 % balance transfer for 15 months. They are not budging on the promotion and keep telling me that it is a 30.49 %.
Company Response:
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a credit card with Walmart through Capital One. I have had this account for approx. 9 years! I will start this out by saying that I've NEVER made a late payment to them or any other creditor for that matter, and NEVER have I filed bankruptcy! I have had ZERO negative marks on my credit and ZERO public records! I went to make my payment on my Capital One Walmart credit card online on XX/XX/XXXX, the day it was due. and noticed that my account with Capital One had been restricted online and it said to call. I called immediately and they said my account had been flagged for bankruptcy! I have never filed bankruptcy in my life! I immediately asked to talk to a supervisor, and she informed me that they would have to investigate it and someone should reach out to me in 2-3 days! They refused to take my payment over the phone, but they said that they would refund any late fees if they were in the wrong! I then proceeded to pull my credit history from my XXXX Credit Monitoring Service that I am subscribed to, just to make sure that there wasnt any suspicious activity on my account or any bankruptcies showing up in my public records! There was nothing, no suspicious activity or bankruptcies! I then waiting until the next day XX/XX/XXXX, and called Capital One again, and the agent I spoke to this time ( XXXX, Agent # XXXX ) and she told me that the bankruptcy had been misapplied and that she could go ahead and take the payment. I asked her when the account restricted status would come off of my account, and she said it would take a few days. I gave her my payment info over the phone and made a {$140.00} payment over the phone! I thought it was caught and taken care of at that point! I checked my account online Monday morning XX/XX/XXXX, and it still said account restricted but it showed by balance which reflected the payment I made over the phone. Still, I thought it had been taken care of! I kept checking the account online periodically on XX/XX/XXXX, and by mid-afternoon XX/XX/XXXX, I was able to fully access my online account and the account restricted status had been lifted! However, I checked it again the next day, Tuesday afternoon XX/XX/XXXX, and I was able to sign on, but it said no accounts found! My stomach instantly turned when I saw that! I immediately called and I was told the account had been charged off due to bankruptcy! I told them that the bankruptcy was not mine and demanded for them to give me more info so I could look into this matter deeper! Ive never had any negative reportings on my credit history, and I wanted this resolved quickly! I was transferred to another agent ( XXXX in the Recoveries Department XXXX, ext. XXXX ). She told me that since the account was charged off, that she would have to wait for it to transfer over to the other system so she could give me more info. She told me that she would try and help me so I could get this resolved quickly! Thursday, XX/XX/XXXX, XXXX called me at approx. XXXX XXXX EST and gave me the info for the bankruptcy. She said that it had been filed in the XXXX Ohio District Bankruptcy Court. She told me the case number was XXXX and it was filed on XXXXXXXX and was filed as a XXXX XXXX! I again told her that this was not me, and that I had checked my SSN on XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), and that no bankruptices had been filed in my name! She told me that someone from the dispute department would be contacting me shortly to get this resolved! At approx. XXXXXXXX XXXX on XX/XX/XXXX, I was contacted by XXXX from the Recoveries and Disputes department from Capital one ( Agent # XXXX ). He told me that he believed that the bankruptcy had been misapplied and that he was going to research to see what was going on. I gave him all of the information that I had! He apologized to me that I was dealing with this and told me he was going to work with me to quickly resolve this matter. After getting off of the phone, I went straight online through XXXX. again to see if I could locate the actual bankruptcy filing since they gave me info to see who actually filed it! I found a bankruptcy that was filed in the XXXX Ohio District Bankruptcy Court on XX/XX/XXXX that belonged to a girl that had the same last name as me and lived in the city, but a completely different first name and street address! The case number is XXXX! The case number that Capital One gave me was XXXX, but I couldn't find a case with just those numbers! The case for the one I found online on XXXX had to be the one they were referring to because it has all of the same numbers and the only one filed on that specific date in that court, and it was a XXXX XXXX! I received a call back from XXXX from Capital One at approx. XXXXXXXX XXXX. XXXX on XX/XX/XXXX, but I was at work and missed the call. He left me a message on my voicemail. The transcript was as follows Good Afternoon XXXX XXXX. This is XXXX calling from Capital One. Im calling to follow up as promised. I do have some great news! We were able to get the bankruptcy issue resolved and are working on reviewing your account for reactivation. If you have any questions please give me a call back at XXXX. Once again this is XXXX calling from Capital One recoveries and disputes for XXXX XXXX! Im just calling to advise you that we were able to unravel the bankruptcy issue and we are going to and working on doing the reactivation for your account. Please give us a call back if you have any additional questions at XXXX. My agent ID is XXXX. Thank you and have a great day! As soon as I listened to the message, I attempted to call back. I gave the agent that answered Rays agent ID, but was told that they were unable to connect me. I then called XXXX, the agent that initially helped me, because I had her direct extension. She told me she would get in touch with XXXX and tell him to return my call. I attempted to reach XXXX at Capital One approx. 10 times from XX/XX/XXXXXXXX thru XX/XX/XXXX, with no luck! I had questions I wanted answered and could not reach him! Every time I called, I got a different agent every time, and Im told something different every single time I call! Ive been told they will have him call me back, and Ive also been told that there is no way for them to connect me with him or leave him a message, although I have his agent ID. I sent a certified letter to Capital One with detailed info about what happened on XX/XX/XXXX, and had it overnighted! I also typed a letter to all 3 credit bureaus about this mess, and asked them to attach the letters to my credit file, just in case anything negative showed up! Fast forward to the next day, and XXXX from Capital One FINALLY returned my call on XX/XX/XXXX! I was NOT happy with him and told him the stress I went through trying to reach him! He explained that there was a process they had to go through to reinstate my account! I told him that I understand there is a process, but there needs to be more of a PROCESS PRIOR to them slapping a bankruptcy on someone's card and charging it off! Especially since I contacted them several days before it was charged off! He assured me that they were working on it and attempting to reinstate my account as fast as they could! I told him again that nothing negative better show on my credit as a result of this mess, and their negligence led to this problem... it was NOTHING that I did! I received a phone call on XX/XX/XXXX from Capital One. I was at work and did not get to write the agents ID number down, but her name was XXXX and she stated she was a Senior Account manager! She told me that they were working on reinstating my account, and they had to " mirror '' my account to reinstate it, and it could take 3-5 weeks!!! I've already went through this mess for 2 weeks!!! I asked her if its could be expedited, and she said there was no way to expedite it! I am so sick of dealing with Capital One and the stress and XXXX that they have caused me over the past 2 weeks! I am sick over this whole mess and I want it fixed! Waiting 3-5 weeks for them to fix a mess that was their fault in unacceptable! I asked XXXX from Capital One on XX/XX/XXXX when I spoke to him, what Capital One was going to do for me to compensate me? I told him that once the account is fixed, they need to reduce the interest rate or SOMETHING! He told me he would see what he could do! I shouldn't have to ask for compensation, they should have offered it in the first place since they were the ones that made the error! I am being told NOTHING will show negative on my credit, but I'm watching my credit closely! I don't trust the company at all! This is bad business and it has taken away from my family, my work, my leisure time and caused XXXX and panic! There should be more of an extensive verification process before a bankruptcy is flagged on someone's account! The person didn't even have the same first name as mine..only the last! My last name is a common last name at that! However, I know that writing this complaint won't get anything done faster, but I wanted to warn others about this happening! Thank goodness for my background in finance, because I knew some steps to follow to protect myself! The ONLY good thing I have to say is about a specific representative that I have dealt with, and that is XXXX! XXXX is the only agent that, I feel, truly believed me and tried to help me! If it wasn't for her, I don't think we would've ever gotten to the bottom of this! I am disgusted and infuriated with how this entire situation has been handled from Capital One! There is no reason why this " process '' of reinstating my account should take 3-5 weeks!
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for Quick Silver credit card 3 months ago with promotion about getting {$200.00} cash bonus after spending {$500.00}. But after 3 months, Capital One refused to honor this promotion and said it's not on my account. At this moment, I still see the same promotion on their website. Absolutely disgusting company.
Company Response:
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A