Date Received: 2023-08-31
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I was laid off due to COVID-19 and contacted CAPITAL ONE for assistance on monthly payment. They closed the account and reported the account as delinquent. I contacted them to start pay for delete process. I paid off the collection and after waiting a few months I contacted them to see what other steps I needed to take to get the delinquency removed from my credit. Their representative advised that it would not be removed and it was never a pay to delete process. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to my Capital One credit card from my Capital One checking account. The payment was for {$68.00} on XX/XX/. On XXXX I was surprised to notice that my credit card had a past-due fee of {$40.00} posted on XXXX On XX/XX/ the online ACH Payment was returned. I do not understand how it was returned when the money was in the account. Also, there has never been a time that Capital One did not retry another time if a payment did not go through. Instead, they just charged me a late fee and didn't take the money that was in the account. I did not contact Capital One because they only allow calls. They do not allow email or chat. I have no way to protect myself from what the agent says. It becomes my word against the agents. I am not allowed by Capital One to audio record myself. I have attached proof of my Capital One account to show that my account had the funds. So I am unsure why the funds were not taken.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I scheduled a payment for {$2000.00} for the due date on my capital one credit card. There is a {$2000.00} limit and was over the limit. I normally pay $ XXXX payments monthly and regardless of the time or day those are made the credit is made available to me immediately. This time I paid off the balance and the company cant charge me interest so they have held my payment for up to 14 business days. The money has left my bank account and is supposedly pending on capital ones end. I find this wild considering they are release my available credit immediately any other time I make a payment. So consumers are punished for paying off their high interest credit cards by not being allowed access to their credit immediately like in any other situation.
Company Response:
State: KS
Zip: 67114
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ive been receiving notifications on my XXXX consumer app stating that my identity has been compromised and is exposed on the dark web. I decided to get my consumer reports from XXXX, XXXX, and XXXX. I noticed inquiries from companies I dont have open accounts with nor did I apply for them. I have circled all the inquiries that I had know acknowledgement of on the attachments with this claim.
Company Response:
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Found a credit card on my report with Credit usage 109 %. CAPITAL ONE. Date opened XXXX XXXX XXXX Highest balance {$420.00} I've never applied for this card and never used it. not my debt
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received an email from Capital One ( capitalone@notification.capitalone.com ) on XX/XX/XXXX, containing this statement : " Great newsyour new Capital One credit card is in the mail and should arrive by XX/XX/2023. '' I have never banked with Capital One, nor have any accounts with Capital One been opened in my name with my permission. I was tipped off to the suspicious nature of this event, not only because I haven't banked with Capital One, but because a coworker of mine reported to me in XXXX that he received a credit card from Capital One to which he did not consent. I say again, this was not an invitation to apply, but a fully open credit account with his accurate information. I might have deleted the email had I not known this happened with the exact same bank in the exact same way to someone else. First, I sent the email to Capital One 's phishing reporting email, but the email did not look like a typical phishing attempt. I then called XXXX, which did not see any fraudulent activity on my account. Eventually, I called Capital One to see if this account was in fact opened in my name. I talked with several representatives before speaking with XXXX in XXXX, Florida of the Application Fraud Department. He provided me with information related to my account, specifically name, email address, shipping address, social security number, and the application date. I asked where it was the application originated, to include the IP address, but I was not provided this information. XXXX also told me my account was listed as XXXX, which meant his U.S. peers that would normally close fraudulent accounts were unable to close it due to international regulations or company policies. I was told to call back in two hours ( the time was around XXXX XXXX ) to confirm the account was closed. Capital One reassured me my account would be closed, but I would like to inquire as to how and why this was opened in my name when I have never banked with Capital One.
Company Response:
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ive been a satisfied Capital One customer for more than 40 years, transitioning from XXXX XXXX post-acquisition. Regrettably, I can not exaggerate my disappointment in your decision to transition from an electronic bill-pay application which I believe was industry-leading from a customer perspective to one which is demonstrably worse. While there are several onerous process requirements which had not previously existed, one change is particularly egregious and conjures up visions of the business practices of XXXX XXXX Bank, a comparison which any bank ought to find embarrassing. For many years with the Capital One bill-pay application when I selected a creditor to whom I wanted funds transferred the latency was a single business day. No reasonable person would ask for something timelier. What this clearly illustrates is that technology and standards make doing so achievable. I strive to meet my financial obligations as close to on-time as possible. Doing otherwise is economically disadvantageous to me. With the new bill-pay application Im forced to meet my obligations seven days in advance of the vendor due-date. Its a benign change to the vendor but economically disadvantageous to me ; however, it is economically advantageous to another party, presumably Capital One, in a significant way. My family has approximately {$4000.00} in recurring monthly obligations to various creditors which we meet using Capital One accounts in our name and its electronic bill-pay application. With the new application, Capital One debits my account on day N but reserves the right to delay transfer of those funds until day XXXX. Some families transfer more while some transfer less than {$4000.00}. Using {$3000.00} as an average, the math says that {$3000.00} x XXXX customers of Capital One places {$1.00} XXXX dollars somewhere, but not in your customers account and not in the vendors account. Where is that money for those seven days, what is it earning, and in whos account are those earnings deposited? ( These numbers are fictitious and intended to indicate scale. ) Recall that with paper checks, my account is debited when, and only when, my creditor cashes a paper check sent to him/her. Ironically, technology imposes up to a seven-day latency during which the funds are neither in my account ( earning interest, however modest, to which I am entitled ) nor in the account of my creditor.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I contacted Capital One-Auto Finance to let them know that for personal reasons at the time, I was unable to continue financing my car. Financial personnel informed me of the procedure that I had to follow for the delivery of the vehicle and the termination of the contract with them. I did so, all the time in communication with that office. On XX/XX/XXXX, they sent a tow truck to pick up the vehicle and this was the final step to finalize and close the account with them. Currently I moved to the State of Virginia and on each application process to apply for housing, they have been unsuccessful, due to debts on my credit. I proceeded to verify the credit and I found that in addition to the debts that I am currently paying, which are not inconvenient for my rental purpose, a financial debt from Capital One-Auto appears. This started when they placed a debt in the credit history in the month of XX/XX/XXXX. I proceeded to call XXXX XXXX and XXXX and they told me that I should request the removal of that account in the credit history by making a Dispute about it. After making the dispute, I proceeded to communicate with the financier, explaining the situation to the person who attended me. I requested a certification that the case was already closed. On XX/XX/XXXX, I received it through my email, and they informed me in the letter that the vehicle was indeed delivered on XX/XX/XXXX, without further charge in this regard. At that time, the representative informed me that in their system they have a debt because when they sold the vehicle, they did so for less than its price. Information that was never offered to me when in XXXX I contacted the financial company. The intention was to have the correct information for the termination of the contract and the payment commitment. Now, in XXXX, due to the situation that arose regarding the rental application, I found out that in XX/XX/XXXX, Capital One-Auto posted that debt, as if it were new. When checking my credit, I realize why my applications were rejected. Capital One-Auto debt and the score that credit companies, XXXX XXXX and XXXX have subtracted from my credit report, have nullified my chances of getting a rental home for myself and my children and for any other plans I had. In addition, in the most recent housing application, Capital One-Auto 's debt was posted again dated XX/XX/XXXX, and the companies ' credit report had an additional XXXX points subtracted from the credit history.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: on XX/XX/2023 i mr XXXX XXXX asked captiol one about my bill and sent payment in XXXX-2023 for card endind in XXXX and capitol one said XX/XX/2023 that everything is correct well how could that be when i have my proof of payment right hereand im the admistitor of this accout
Company Response:
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Remove late payment from XXXX and XXXX of XXXX for XXXX XXXX XXXX XXXX for credit card ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Company Response:
State: MO
Zip: 63123
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A