Date Received: 2023-08-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got a call from XXXX XXXX XXXX about debt elimination. I spoke to a XXXX XXXX who was the Financial Educator. I only spoke to her twice. The other times have been to XXXX XXXX with the same title. the phone number and address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, website : XXXX Phone number : XXXX. I had a Capital One, XXXX and XXXX XXXX XXXX XXXX XXXX. I owed XXXX and Capital One nothing. this started in XXXX, XXXX. I owed a lot of money to XXXX like {$10000.00}. I was told not to use these three credit cards nor speak to any lenders or make payments to these companies. Disregard all statements and letters regarding enrolled accounts unless it is from a. Collection Agency without XXXX or XXXX. Disregard any phone calls regarding debt elimination, debt relief and debt consolidation. I did just that and signed a statement. I made calls throughout this process. On XX/XX/XXXX I was told that I was XXXX XXXX through the process. On XX/XX/XXXX I was told it takes 4-5 months for banks to offer to settle but not to accept. I was told that I was in Phase 4. XXXX, XXXX I received a collection letter for Capital One. XXXX, XXXX I called to get an update. Phone answer is a recording to leave name and number and they will call back. XX/XX/XXXX I was told that they started working on getting inquiries off of my credit report to improve my score. XX/XX/XXXX no response. Nothing changed on credit report that I am aware of. I called XXXX to followup and got no answer just the recording. Until XXXX XXXX XXXX I noticed and enrollment fee and Descriptor of {$3400.00}. That is the amount charged on XXXX XXXX card. I am paying on it. They claimed to be a credit restoration company. I should have checked with XXXX. I was in a state of panic and still am. Please HELP me. Ihave XXXX XXXX XXXX Reponse is Click here to inquire or call XXXX at XXXX or XXXX. I have. the first number XXXX XXXX comes up and says check number ane the other just disconnects. I don't know where to turn for help on this SCAM.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I XXXX XXXXXXXX would like to submit a complaint for Capital One Quick Silver Credit Card. On XX/XX/2023 I tried to make a purchase to pay for gas and it was declined. Then I tried at the grocery store, but the card declined again. Therefore I logged into the online banking for my Quick Silver credit card. And the account said that it had been restricted. I called customer service immediately and was disappointed in the responses received. I then asked to speak with the manager. I was told by the manager that a notice had been sent out on XXXX he said that I would receive it by the next day. Then I asked why was he not able to explain to me over the phone the reason that I had no access to my credit. He stated that it may have been for going over the credit limit. I asked him to look at my account and explained that I have credit available and my payments are current so why don't I have access to utilize my credit? I also asked for the customer agreement to help me better understand why my account has been restricted. The manager for customer service said that it would take 30 days for Capital One to send me the customer agreement. And he still was not able to give a direct answer as to why my account was restricted. I have not received a notice or explanation by email, mail, or phone as to why my account has been restricted. I am writing this letter to bring to your attention a series of issues I have encountered with my credit account, which has caused significant hardship and inconvenience for me. I would like to formally register a complaint against Capital One Quick Silver Card for the following reasons : adverse action, misleading information, denial of credit access, and non-notification of account changes before or after changes were made. I have recently experienced an adverse action after using my credit card for a transaction. The adverse action resulted in severe physical discomfort and financial distress. As a responsible credit cardholder, I promptly reported this incident to the Capital One customer service helpline. However, I was met with unhelpful and dismissive responses, which only exacerbated my concerns. The representative I spoke with was uncooperative and failed to provide a satisfactory resolution to the issue. Furthermore, I must express my disappointment with the misleading information provided by your company 's representatives. On multiple occasions, I contacted your customer service department seeking clarification on my credit limit and available credit balance. Unfortunately, I received conflicting and inconsistent responses, leading to confusion and an inability to manage my credit effectively. Most distressingly, I have been denied access to my credit, despite my timely payments and adherence to the terms and conditions of my credit card agreement. This denial has caused significant financial hardship, as I have been unable to meet my financial obligations and purchase necessary items for my daily life. As a loyal customer of your company for three years, I am deeply disappointed by the manager that I spoke with, the manner in which my concerns have been handled, the lack of assistance provided, and the negative impact these issues have had on my financial well-being. I believe that it is in your company 's best interest to resolve these issues promptly and amicably. However, should my concerns continue to be disregarded or not addressed satisfactorily, I will have no choice but to escalate this matter to relevant regulatory bodies and seek legal counsel to protect my rights as a consumer. I trust that you will give this matter the attention it deserves and provide a prompt and satisfactory resolution. I expect to receive a written response within 5 days of your receipt of this letter. Thank you for your immediate attention to this matter. I anticipate a swift resolution and a restoration of my confidence in your company.
Company Response:
State: FL
Zip: 34952
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a charge off with Kohls/Cap One showing up on my credit report but when i call them they can't find my account. I also have a collection for Kohls on my report and when i have called to find out about it they tell me that it's past the statute of limitations and they can no longer collect. I can't seem to get this account removed off my credit report or at the very least paid. Can someone please help me to get this removed. I have tried to get this resolved but had no success.
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was charged the amount of {$1.00} XXXX, and this kind of scam happened first time in my life, I am with Capital XXXX for so many years but when I contacted them and XXXX they didn't even want to try to help me, they were rude and denied my case many times, I can not accept that someone just can steal my money this way and I believe there is the way to make them responsible. Thank you for doing it, I really appreciate your help. The transaction was posted on Friday, XX/XX/2023. Name on this transaction : XXXX XXXX
Company Response:
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My Identity was stolen. A Capital One Credit Card was opened fraudulently in my name. I did not open the account or make the charges. I have contacted Capital One several times. I have sent a certified letter with information they requested. I have followed up with company by phone. Capital One will not give me any information about charges or how the account was opened. The information Capital One says is there proof is ; my information that was stolen, an old phone number not belonging to me for several years and a bogus email address that I am sure goes to the person who stole my Identity. The first idication that my Identity was stolen was a fraudulent change of address that the post office has record of being fraud Late XXXX of XXXX information is with the Postal Inspector XXXX. I then started a file on Identitytheft.gov. I have closed several accounts opened online, every bank was helpful and understanding until Capital One. After countless hours spent on the phone and submitting all the information they have asked for they have turned me over to collections with XXXX XXXXXXXX XXXX. I let XXXX XXXX know these were fraudulent charges and sent over to them the information needed to prove fraud.
Company Response:
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S.C. 1681A2 I did not give written permission to have these accounts furnished on my credit report
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I sent this letter to Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Consumer Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Never applied the 0 % APR for 15 months on my account. Act # : XXXX Dear Capital One : Yesterday I received the replacement card ; I entered the app to activate the card when I noticed `that Capital One started to charge me interest on my account. One of the reasons I open this account was because I will Have for 15 months no interest rate. I immediately called customer service but was not able to find my final agreement. She looked and looked but never found it. I told her that once you find it call me. After we ended the call I went over my pc and found the offer, not only that, you requalify me for this card and the offer was 15 months no APR % for 15 months also a bonus of {$200.00} I never receive it! Capital One has been charging me around {$1000.00} interest charges during this period as a mistake. Please investigate and return my money as a credit to the accountant. I dont need the cash just give me a credit over that money. If you have any questions regarding this matter, you can call me at XXXX. Sincerely, XXXX XXXX Today I called to follow up to the case and a supervisor told me that he have my agreement and send me the agreement that has nothing to do with the one that I have also I notice that the interest rate is not even the one that they offer last year, they are giving me picture of today 's or my account terms not the ones in XXXX when I apply.
Company Response:
State: PR
Zip: 009XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am addressing this issue once again, I have tried numerous time to reach out to Capital one agent XXXX at XXXX XXXX. I have not received a response to resolve this. I went to XXXX XXXX XXXX XXXX & Spoke with the XXXX XXXX. We Reviewed the charge in dispute which is on XX/XX/2022. We both agreed that the charge is NOT Valid. XXXX said she will put in a request to Capital one for a reimbursement to my account & that I should reach out to notify Capital one which Ive tried to do.
Company Response:
State: CA
Zip: 90806
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: I received mail from XXXX bank stating that someone with my information has attempted to open a credit card ; Capital one and XXXX XXXX. Spoke to XXXX and they confirm they have an alert on XXXX and place a freeze on my account and was advised to the XXXX and XXXX and FTC regarding the the attempt.
Company Response:
State: CA
Zip: 95210
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Hi, I've been trying to make a payment arrangement with my credit card company to avoid charge off. I called on XX/XX/XXXX to make a payment arrangement for XX/XX/XXXX. I call on XX/XX/XXXX and I'm notified the account will be closed as a payment will not be posted in time to avoid charge off as it had to be received by XXXX XXXX. I called around XXXXXXXX XXXX. I was told to call back later to explore other payment arrangements. I've been struggling financially due to reduction in income and increased expenses these past few months.
Company Response:
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A