Date Received: 2023-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX someone accessed my account and removed funds in the amount of ( {$2500.00} ). I was informed by the bank that this money went to a XXXX XXXX XXXX account via XXXX and provided with a name and phone number of the receiver. In the meantime they issued me a temporary credit on XX/XX/XXXX for the stolen {$2500.00}. On XX/XX/XXXX I received yet another email stating that they found no error in this XXXX payment and on XX/XX/XXXX they will be removing the {$2500.00} credit. I outreached the bank regarding this and was provided with the same response, that I sent this XXXX to XXXX XXXX XXXX and there is no error. I can ensure you that I did not send any XXXX payment to anyone especially at XXXX in the morning. This XXXX person is not listed in my contacts either, so again Im clueless as to who stole my money, yet again from my account. Nevertheless, due to the ongoing problems I have encountered with this account I have closed the savings however was unable to close my checking due to bank policy.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Someone hacked into my Capital One bank account over a period of 2 weeks between XX/XX/2023 and XX/XX/2023 ( multiple times ) and transferred money from savings to checking and then went ahead and took out {$1600.00} in multiple transactions starting XX/XX/XXXX from my checking account to XXXX and XXXX When I found out about this, I started a claim with Capital One to investigate and catch this person. They started an investigation but on XX/XX/XXXX, they closed the claim stating that the charges were valid. I doubt they investigated it properly because I have no information on these charges at all. So someone either bought stuff or transferred these funds without my knowledge to their account. Either way if someone looked into it and saw the IP address from where these logins were done, they would realize my account was hacked and since I don't recognize the person who got the money through XXXX, they should report the scamster. If something was purchased, then they should follow the trail and see if something was purchased then what address did it go to? Once they look into this, they will realize that this was a complete fraud.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2023 I received in the mail a Platinum Capital One Credit Card. I never requested this nor applied for this Card. I am requesting that this account be closed and removed from my credit report.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I contacted Capital One Bank to have the Hard Inquiry removed from my credit report from XXXX XXXX, XXXX. I was XXXX at the time and did not apply for credit with them. This is some type of fraud/identity theft issue. They did not agree to remove the inquiry. i send them proof of XXXX at the time in question.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/XXXX I noticed money was taken out of my account at capital one from XXXX XXXX from XXXX XXXX so I called the bank and made a complaint with the fraud department so they told me that this has been happening since XXXX of XXXX I told them that I don't know a XXXX XXXX and I didn't authorize any transactions so they told me I would have to make another complaint because they was trying take money out of my account when I was on the phone with the fraud department and the amount was over {$3000.00} so at the end of the investigation they said they didn't see anything wrong and I couldn't get my money back and they was going to close the investigation. So I ask why was the name XXXX XXXX on the statements was which to my name after I made a complaint I wasn't getting any answers so they finally told me that it was a glitch in there system and the investigation was closed and it's nothing that they can do about and they are sorry that this happen. I tried to get them to reopen the investigation but they wouldn't. I didn't know who to contact to try and get my money back
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I applied for a capital one secured credit card using my passport and itin number. Then I closed the account because I couldn't use it, but they didn't refund my deposit. My account number is XXXX My ITIN XXXX Passport at the time of application is XXXX And keep asking me to provide files that I don't have.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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 called on XX/XX/23 to see what Capital 1 could do to help me with my payment. I explained I was injured and missed some work but could catch my loan up this month. I was told by the rep I talked to that he would submit a deferral and as long as I made payment by XX/XX/23 that I would not have any late payments in my history or a hit to my credit. I made the payment on XX/XX/23 as I was told and did everything asked of me. They still reported me as 30 days past due. I have called twice to get this resolved and was told that there is nothing they can do. I asked for a supervisor who could help me and the first time the rep tried to reach someone he flat out told me that they are refusing to take the call. Finally got to someone who was supposed to be a supervisor and she also told me there was nothing she could do and the department who deals with credit reports does not have phones. She said the only way to even being the process of filing a complaint was foto her to mail me a letter with instructions. I did what was asked of me based on what the initial rep told me and Capital 1 did not hold up their end of the deal. The rep lied to me and has probably done so to several other customers with no corrective action or consequences
Company Response:
State: AZ
Zip: 85641
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I contacted Capital One Bank on XX/XX/23 because I had just gotten a direct deposit and needed the money. They let me take out {$1000.00} but refused to give me all my money. Because they were unable to verify a check that had been paid by my husbands bank. They also said it can take months to process this request. I just want my money and to never have to deal with them again.
Company Response:
State: OK
Zip: 74008
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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 XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My name is XXXX XXXX I have a Capital one credit card that has over XXXX worth of fraud unauthorized charges on it, I reported it to Capital One I haven't used the card in quite sometime I was making payments on it and the balance was never going down and then I had a fraud incident with something else which made me go looking at all my stuff, I seen over XXXX worth of charges on my credit card I didn't have the card in my possession I let Capital One know I didn't have it, they shut it down and they issued me a new number but not a new card, Then I get a letter a day later on the portal stating my investigation was complete they only took off XXXX of the over XXXX worth of charges. I am NOT paying for charges I did not make, this company has a zero fraud liability but wants to tell me they are having a hard time investigating these charges that is not my problem. These charges were not made by me and I am not paying for charges I did not authorize. And on top of that they are reporting this as late on my credit reports. Can you please help with this
Company Response:
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A