Date Received: 2023-08-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, I went to Capital Ones website to apply for a credit card for personal, family, and household purposes. I provided my personal information and my social security card # ( or credit card pursuant to the Truth in Lending Act/Regulation Z ) which allows me to extend my credit to the company to obtain financing for personal, family, and/or household purposes. The attached document shows the definition of credit in the Federal Code of Regulations, any violation of this code constitutes fraud and illegal activity ; which this company would be responsible for civil and/or criminal liability for violating any of my federally protected rights as the consumer in this transaction. After submitting my information on the credit application, which Capital One accepted and proceeded to pull my consumer reports. Capital One then denied my application for an extension of my credit on the basis of me having an existing account with them as well as my consumer reports. Consumer reporting agencies like XXXX, XXXX, XXXX, XXXX and others have an extensive history of having inaccurate reporting, this is proven by their many data breaches and complaints on the CFPB. Which is why the Fair Credit Reporting Act was created. The credit score is a made up number based on inaccurate information that is being reported on consumers, without their consent, which violates their privacy. This company can not use a credit history or a consumer report to deny me access to an extension my own credit pursuant to Truth in Lending Act without offering a counter offer. According to the Equal Credit Opportunity Act, a company can not deny a consumer access to credit for any discriminatory reason. It states that Credit is a right, which can not be taken away for any reason when a consumer extends their credit card ( or social security # ) in good faith to obtain financing for personal, family, or household uses. In using my credit history or consumer reporting as a basis to deny me my right to credit, Capital One is violating my federally protected right credit as the consumer in this transaction.
Company Response:
State: MD
Zip: 21224
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dont own any debt they remove money and have Been for over 8 month automatically off my account every month was never in collection how is it Im collection now .. i pay every month on time automaticly
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have been in contact with capital one for some time now. I have tried to resolve this matter over the phone and submitted numerous disputes requesting proper verification of their statements made. I disputed my account with capital one for reporting late payments on my credit report. I disputed these late payments pursuing to 15 U.S. Code 1666b - Timing of payments. These late payments are accounted for " XX/XX/2022 AND XX/XX/2022 '' ( XX/XX/2022 and XX/XX/2022 ). As a valued consumer I have always ensured that my payments are up to date and that I am viewed as a respected consumer. I am Challenging that the bank Capital One failed to mailed or delivered me the consumer my billing cycle no later than 21 days before the payment due date. I requested that they provide proof that they mailed this periodic billing cycle to me proving they adhered to the laws they are set to follow. If they are unable to provide me with proper verification, then I request they remove the erroneous late payments from my account and my credit history. Yet they only replied with a statement saying the reporting is accurate and therefore no changes will be made but failed to provide me with the proof needed to support their claim. I have numerous proof my mailed disputes to Capital One and they have not once proved they acted accordingly in accordance with the law they are obligated to follow. Due to XXXX Ones actions I have been unable to acquire credit and have been denied for and presented with very difficult and unfavorable terms when applying for credit.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i only authorize for 1 auto company to run my credit which was XXXX XXXX ( XXXX XXXX, XXXX ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inaccurate information on my credit report.
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XXXX XXXX XXXX I received a targeted email offer from Capital One for a {$350.00} bonus upon opening a 360 checking account and making two deposits of XXXX XXXX within 75 days of account opening. I accepted the offer and followed the link to apply with the promo code. The next interaction was also via email. Capital One requested identification on XX/XX/. I submitted this documentation and was told that a response would likely come in the next two days. Because I had not received a response, I called Capital One on XX/XX/XXXX. I was told by the agent that the application had no activity on it, but that I was eligible for the promotion and he would help me complete it. After giving the agent some personal information, I was given a link to continue the application. This link did not work. However, the account was open by the end of the call. After opening the account, the agent transferred me to the account activation department, where an agent ( named XXXX XXXX told me that the account had been opened without the promo code and assumed that the error was mine. I explained the situation and asked her to correct it. She refused, telling me that I could try calling again in XXXX, after the eligibility period expires, and maybe they would help me. I asked if she would vouch for me, and she said she would not. So, I was left not knowing if a system error had occurred, or if the first agent had simply started the application from scratch without applying the promo code, or if I had fallen for some kind of trick. I called again today and asked to speak to a manager. The manager, XXXX, told me essentially the same thing, except that the earliest date to correct would be XXXX, not XXXX as the previous agent told me. She also did not try to pin the mistake on me and was much more professional, explaining that such system errors do happen and that following up in three months is the standard protocol. She gave me her employee number and the case reference number. While XXXX was much more pleasant and professional, I am still not satisfied with how this promotion is being handled. I read the fine print and this was not part of it, a promo code does not simply go missing mysteriously, and if such a thing occurs so frequently, the proper way to handle it is not to delay resolution beyond the promotion period and leave the customer at the mercy of a phone agent. When personal information is given in exchange for something, that creates an obligation and is not easily reversed. This is more serious than simply refusing to accept a coupon.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to express my deep concern and frustration regarding the lack of response to my dispute letter dated XX/XX/2023. I am disappointed that Capital One Auto Finance has not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to provide investigation results within the stipulated timeframe. This disregard for my dispute rights is alarming and has compelled me to file this formal complaint. In my dispute letter, I raised legitimate concerns regarding the accuracy and completeness of the account information being reported on my credit report. I outlined the discrepancies that I observed in the reporting of the account and brought to your attention that the reporting of the account as " charge off '' does not align with the absence of prior delinquency reporting, which is a clear violation of reporting guidelines. I expressed my confusion over the account 's reporting status, as it does not indicate any past-due history leading up to the charge off reporting date. This omission is a violation of accurate and complete reporting practices under the FCRA. Additionally, I pointed out that Capital One Auto Finance failed to provide detailed and verified information about me, further undermining the validity of the reported account. My intent in disputing the accuracy of this account was to ensure that my credit report accurately reflects my financial history and that any inaccuracies are promptly corrected. However, to my dismay, I have not received any communication or investigation results from Capital One Auto Finance regarding my dispute. This lack of response not only disregards my rights as a consumer but also undermines the integrity of the credit reporting process. According to the FCRA, credit reporting agencies and data furnishers are obligated to conduct timely and thorough investigations in response to consumer disputes. Failure to do so results in a breach of the FCRA and causes significant distress to consumers like me.
Company Response:
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Capital One is advertising Complimentary XXXX XXXX Benefits for cardholders https : //www.capitalone.comXXXX XXXX I signed up for this back in XXXX. To date Capital One has charged my credit card TWICE for the subscription and has not credited me back as stated. I have called and spoke with uninformed, untrained outsourced scriptreaders who had no idea what I was talking about. I email Capital One Executives and Exec. Customer Service TWICE now and they haven't bothered to reply. I contacted Social Media and they were useless.
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
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: I have been trying to get Capital One to reverse a charge on my credit card for a hotel stay that I made on XXXX XXXX, 2023. On XX/XX/XXXX, I paid for a booking at the hotel through XXXX, for an amount of {$360.00} on my Capital One card. The booking was for one room, two nights from XX/XX/XXXX to XX/XX/XXXX. When I arrived at the hotel on XX/XX/XXXX, the person at the front desk asked me to make a payment of {$310.00} for the room. I was under the impression at the time that it was a security deposit for the room, and that I would be refunded the amount a few days after the stay. I gave them the same card that I used for the XXXX transaction. When I checked out of the hotel on XX/XX/XXXX, I had only received a receipt for the parking garage that I used during my stay there, I never received a receipt for the {$310.00} that I was charged. A couple weeks later I reached out to both XXXX and the hotel over the phone about this transaction, XXXX tells me that the hotel incorrectly billed me, and the hotel says that I need to handle the issue with XXXX. Both parties agreed that I was incorrectly charged twice for this stay, and that a refund needed to be issued, but neither party wanted to be held responsible. Over the course of a few weeks, I spoke with both parties about my situation, and I requested receipts from both parties to try to verify where the error occurred. It became clear that the billing issue was on the hotels end when I finally received a receipt from the hotel for the {$310.00} transaction, but the information on the receipt was not correct. They had XXXX contact information on file for my account, and they had billed a card that I do not possess. I still do not understand how my card was billed for this amount, but the receipt shows a completely different card. I reached out to the hotel again and asked about this discrepancy. They did not understand how this happened, and they then proceeded to process a refund on XX/XX/XXXX. I was told that I would receive an email with a receipt for verification of the refund. When I received the email, all the information was still incorrect, and they processed the refund to the incorrect card, not my card. I reach out again on XX/XX/XXXX explaining that I did not receive the refund, and once again they process another refund in the exact same way to the wrong card. I call them back again to explain the mistake once again, and I was then told that a manager would need to handle the situation, but there wouldnt be one until later that day. I reached out to them for the third time that day, and I am finally able to speak to a manager after over a month of back-and-forth calls. The manager proceeds to tell me that he can not process a refund for {$310.00} to my Capital One card because they do not have any record of this card being charged for that amount. He then tells me that the hotel policy does not allow him to refund any amount that did not appear in their records. The only transaction they have on file with that card is for the parking receipt that I received on XX/XX/XXXX, so he is only authorized to refund the amount for that receipt, which I was not disputing. I ask him how it is possible that there is no record of this transaction on file when an employee asked me for my card and swiped it in front of me for that exact amount, and I can clearly see the {$310.00} that was charged to my card on the day that it happened. He then gets defensive with me and says that its my truth that this happened and insinuates that I am somehow lying to him about the entire situation. In a dismissive tone, he then tells me that if I want that amount back that I will need to file a police report or fraud claim, and that I need to request a charge back from Capital One for the amount. I tell him that is exactly what I plan on doing, and he then accuses me of threatening him and immediately hangs up. I then reached out to Capital One to request the charge back on the same day of this phone call. On XX/XX/XXXX, I received the letter from Capital One saying that theyre siding with the hotel due to a cancellation policy. I do not understand where this came from because there was never a cancellation of my stay. I was never informed of any cancellation policy, nor was one shared with me at any point during this lengthy process because a room cancellation was never the issue. The issue from the beginning was that I was charged twice for my stay. Im even more frustrated by this given that the support that the hotel provided, given to me in the letter sent by Capital One siding with the hotel, proves my claim and invalidates their argument about any cancellations. The receipts they provide show that I stayed there, and they still show the incorrect cards being refunded. I sent all the supporting documentation that I can to provide to show the inconsistencies with the hotel 's defense. All the receipts the hotel gave me, XXXX 's receipt, my credit card statement, and the two attempts the hotel made to refund me, and I even notate and comment on all the documentation so that Capital One barely has to do any investigative work at all. I receive a XXXX letter from Capital One on XX/XX/XXXX that once again sides with the hotel. They claim that the transaction was " processed properly '' despite me pointing out several times that their processing refunded a card that I do not own. They want me to provide proof that I paid the room with another form of payment, despite the fact that I sent them the receipt that I had paid for the room already with XXXX with the same card. I am tired of having to plead my case over and over again to Capital One, they have been unwilling to cooperate with me and have dismissed any evidence I provide because they do not want to make the effort to correct a mistake I've been dealing with for 3 months now. I have given them all the evidence that proves that the hotel has made numerous mistakes, and yet they will stand by and let this hotel charge me twice.
Company Response:
State: AZ
Zip: 85132
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am writing this complaint to inform you about my issues with capital one bank and my account. I applied to capital one bank in the month of XXXX and I was granted a credit line of {$1000.00}. I also added my daughter as an authorized user to to my account. We hadnt had the account, but for maybe three or four weeks when my daughter attempted to make a payment to keep the account in good standing all of a sudden the account was frozen, we could not use the account we could not access our information online. They shut us out of every aspect of understanding what was going on, we called I typically have my daughter do the talking because I am a XXXX citizen and its difficult for me to understand some of the technical terms and words and processes. They dont seem to like that very much so I dont get very far. However, they asked for several documents to verify that I am who I say I am, we said to them fair enough and so we sent them everything they asked and then after sending them everything they asked they wanted more documents. We sent them bank account statements we sent them paycheck statements we sent them communications with the bank account that my daughter try to make a payment with. She literally printed out the communication she had with that bank at capital ones request. We gave them a picture of our front and back drivers license. They wanted a copy of my Social Security card so my daughter had to order another Social Security card when she got it 10 days later she uploaded that card and they said they couldnt verify if it was accurate enough. To add insult to injury they have the nerve to charge us our monthly payment when we can not even access the account to see what we owe, where, and why. I literally have zero access. It almost became comical how blatantly rude they are as their customers and as consumers we felt as though we had no idea what to do. Theyre holding the card hostage, but I cant do anything else about it. To make matters worse, they have done something in regards to my credit in general as far as perhaps the bureaus go because any time I have a plied for credit after that event, I have had very difficult time getting credit now. Creditors have started treating me with suspicion and requesting our verifications and wanting to speak to me constantly Ive never had to go through this before never. I finally got a credit card with XXXX. I activated the card and I went to use the card and couldnt use it. I contacted XXXX and said I cant use the card. Somethings wrong. They said we put your card on restriction. We need to speak to you again. I said you spoke to me after I applied for the card what do you want to speak to me now for how embarrassing to get to the front of a line in a store and find out that my card has been shut off before Ive even used it, this is the way it has been going for me now ever since dealing with capital one this cant be right as a consumer, this is extremely unfair to put me in a light as though I am someone to be cautious about. I dont appreciate this and I want something done about it. Capital one has ruined things for me and they still will not release the card or cut it off. I told them if you dont want to release the restriction shut the car down, but no theyre just over there holding onto it. Ive talk to representative after representative different times of the day and I get absolutely nowhere. How is this OK and from what Ive her capital one is very notorious for this. This needs to be addressed because I cant be the only consumer who has felt punished by this so-called credit agency which has affected me being able to have good standing with other companies.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A