Date Received: 2023-08-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am wanting to dispute the late charge that dropped my XXXX XXXX on the XXXX credit bureau. It showing that my vehicle a XXXX XXXX was delinquent and I traded in this vehicle and the payment was received with them on XX/XX/XXXX for {$32000.00} to Capital One XXXX and they reported that my payment was late. This vehicle was in my mother 's name XXXX XXXX and I was the co-borrower ( XXXX XXXX ). She has not received a late payment notice but I have.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I began using Capital One Shopping months ago and had earned many rewards which were about to be able to be redeemed for cash ( gift cards ) when suddenly FOR NO REASON my account was suspended. Its a shopping engine, for goodness sake! I particularly love that they give you no explanation for the suspension whatsoever. Apparently this has happened to multiple people. Once they are able to redeem for rewards suddenly they suspend your account. What a sham!! I emailed today ( XX/XX/23 ) advising them I had done nothing to warrant an account suspension and was basically told they can suspend anyones account at anytime they want to ( email attached ) with NO explanation as to why it was suspended ( legitimate suspensions warrant explanation ). They get a 1.5 out of 5 on XXXX XXXX. Wonder why!!
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Capital one had decided not to let my payments process for an entire month leaving my credit card completely depleted well past the date it needs to have a payment made for my credit report. It also doesnt let me use cash back and has recently made me confirm my bank account to prove. They are clearly mad because I never have to pay interest and get cash back. This it to far effecting someones credit is a big deal. When I called them and said I would report it they got completely stopped talking to me. This happened on XX/XX/23
Company Response:
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a credit card with Capital One and am hoping to pay off the entire thing. I paid my entire balance ( {$9900.00} plus change ) and my balance became zero. My statement then showed a balance of {$200.00}. I was told this is from a previous balance. My understanding of the CARD Act leads me to believe this practice is against the law. Furthermore, I requested the exact amount that I needed to pay to be completely free of debt from Capital One and I was told by the customer service operator that she was unable to provide me with that information. It seems like an act of fraud that a creditor refuses to tell its consumers how much they need to pay at a given moment to be completely free of debt.
Company Response:
State: KS
Zip: 66030
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone used my information to apply from the company which is a hard inquiry on my credit which I didnt authorize that
Company Response:
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I logged into my Capital One mobile app and noticed 76 charges to XXXX! I do not have a XXXX account! The charges amounted to over {$5000.00}. I called Capital One and disputed the charges. How is it possible that all these charges were under the Bank 's radar so to speak?! There were no alerts and nobody called me to let me know someone has fraudulently charged my account and ordered food at a number of restaurants in California! ( I live in Florida and could not possibly make these charges. ) To this date, my claim has not been resolved and my money returned. The above constitutes a classic example of fraud but Capital One has not taken any responsibility. I called them many times and their representatives can not give me any assurance that I will get my money back.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Disclosed private information to 3rd party
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened in my name in XXXX and I did not find out about this until XXXX of XXXX when I ran a credit report and noticed a {$1900.00} credit card account under capital one. Ive called the company and filled a report, but I read online that I should also file one on here. I am a young woman who just XXXXXXXX from XXXX and I didnt know that I should be checking my credit report so regularly.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XX/XX/2022, my mother had XXXX XXXX me out of literally nowhere, and I decided its time to leave. Upon looking for apartments, I saw something that read your credit has to be above XXXX or more. So, that had me curious. I wondered what mine had been, despite being under the impression that I had no credit whatsoever. I had applied to things in the past but always got denied. Still, I did it anyway, and what popped up was a fraudulent credit card account by Capital One. Now, this was my first time seeing this, as I hadnt ever gotten accepted for any of my card requests. I went to the site and attempted to log in. Immediately after entering my ssi, I was prompted with the option to send a confirmation text to a mobile number. It wasnt mine, but it was my mothers. Once I chose the option other method of verification, I entered my own number and was granted access. A little too easily, at that. I then immediately noticed something else. My mothers email was ALSO within the account information, as well as her bank account information. It was directed routed to her bank, where she was withdrawing money to. The purchases showed XXXX, XXXX and a few unknown transactions, most likely from XXXX. I recalled her saying she spent $ XXXX {$800.00} on new tires at one point. I do not have a license, only she does. XXXX was for gas. Immediately, I decided Id close the account and lock her out of it by changing all of the information to my own, ( as advised by a capital one rep ) so that she couldnt increase the debt that had already been there. ( {$1400.00}. ) That, and because the representatives were sending things to HER email when I reported fraud. There were about five late payments, which added onto the bill. Once the fraud alert was placed on the account, I called the police to file a police report, which she tried to sabotage, saying I was out of my mind because I hadnt been taking my antidepressants. Trying to victim blame. Because I didnt have anywhere else safe to go after this, I moved from XXXX tXXXX stay in XXXX with another relative. It took me a while to get hold of the police report, though it was soon verified after I sent a certified mail request. Despite all of this, once I had submitted the police report to capital one, I had been promised that this would be resolved. Fast forward to XXXXhree or four weeks later, and I received a letter in the mail stating that the charges made to the account didnt look suspicious at all, ( because my mother and I lived in the same household ), and that I was responsible for the current balance in full. Frustrated, I contacted XXXX, hoping to get things at least going with them as Capital One failed me in that aspect, but the same result was brought to light. Now, because of my mother, and the fact that this credit card company doesnt care about fraudulent cards if it happens between family members, Im in a rut. I can not get an apartment because of my low credit score, and Ive been sleeping on an uncomfortable recliner chair for about nine months now. I am only XXXX. This isnt fair.
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A