Date Received: 2023-08-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX my XXXX XXXX daughter deposited a {$200.00} check her grandmother gave her for XXXX. However, on XX/XX/XXXX her bank, Capital One, made an " adjustment debit '' for the same amount claiming that the " check [ was ] deposited twice. '' On XX/XX/XXXX, her grandmother asked XXXX XXXX, Store Supervisor of XXXX XXXX, to investigate this matter. XXXX XXXX created case # XXXX and wrote a letter stating that the {$200.00} check was drawn on XXXX XXXX on XX/XX/XXXX and that " this is the only activity on XXXX statement for this transaction. '' On XX/XX/XXXX Capital One wrote a letter responding to my complaint. In this letter, they claim that " the check totaling {$200.00} was originally presented to Capital One on XX/XX/XXXX, and then presented at another bank on XX/XX/XXXX. We were then notified on XX/XX/XXXX, by the maker of the check and reversed funds. '' I've asked Capital One several times to provide evidence to support their claim, but they have failed to do so. As stated above, the check was written by my daughter 's grandmother using her XXXX XXXX checking account. Capital One 's claim that " we were... notified on XX/XX/XXXX by the maker of the check '' that the check was presented twice for payment is evidently false because XXXXXXXX XXXX has no record of such alleged second attempt. Also, according to the grandmother 's bank statement, the check was debited only once from her account. In sum, Capital One pocketed {$200.00} that belong to my XXXX XXXX daughter making the false claim that the check was deposited twice when in fact it was presented only once for payment at XXXX XXXX XXXX
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I paid off my credit card balance of aprox XXXX XXXX short. I expected to get charged 19.99 % interest on XXXX. Instead Capital One chrged me 19 % on my average monthly balance of XXXX even though they only had an over 30 day balance of XXXX I believe this is deceptive and Capital One should change % of balance remaining or % of average daily balance which ever is less. Capital One XXXX XXXX XXXX ID XXXX said she will report it under XXXX but I want to make sure.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I answered the previous questions as close as possible to get to this page. On XX/XX/2023, Capital One ran a Hard Inquiry on my credit at all three credit bureaus. I did not make this request for any credit or a credit card from Capital One. I called Capital One and was eventually referred Capital One Canada as Capital One USA says that is where the Inquiry had come from. Capital One Canada said they had no record of a Inquiry being made.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited {$1000.00} check on XX/XX/XXXX via mobile check deposit. Received notice that funds are not available for withdrawal next business day on or about XX/XX/XXXX. As of today ( Mon XX/XX/XXXX ) Capital One has failed to make funds available after 11 business days and has not provided any timeline for when funds will be available in violation of Regulation CC. Capital One refuses to work with bank check is drawn from to confirm availability of funds.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I wrote to Capital one regarding information in my XXXX report that I had three late payments. Case Number XXXX. Capital One Credit Bureau Resolutions reviewed my account and on XX/XX/2023 sent me a letter showing that I have no late payments. I would like XXXX to correct my credit report.
Company Response:
State: AZ
Zip: 85213
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XX/XX/XXXX No Respond I Have No Account COAF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account Capital One XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account Capital One XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account
Company Response:
State: MS
Zip: 38834
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: XX/XX/2022 I went to XXXX XXXX and rented a sprayer I return home and tried to use the item and it did not work i immediately returned back to XXXX XXXX and return the item I ask if they had another one to rent they stated no they said I would be refund XXXX XXXX which was the security deposit and to rent paint sprayer for one hour is XXXX months go buy and I notice on my credit report I have XXXX late payment I call capital one and find out I was never issued the full amount I was charge by XXXX XXXX and was unaware I had a bill due because I thought I was refund and my capital one balance was XXXX I submit a dispute Thur capital one which they later decline due to lack of prof which i provided i told capital one home dept system would not allow a refund and they told me to calll my card issuer to issue a refund which never happen this has cause my credit score to drop many point due to late payment showing up on my report and me out of XXXX $
Company Response:
State: NJ
Zip: 08081
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: According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ' With that being said, I am the Consumer and XXXX, XXXX and XXXX are the consumer reporting agencies. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of each customer, given them the assurance of knowing that their personal information is securely protected and confidential concealed. It is my right to make sure that my private information has not been exposed and I am sure that 15 USC 6801 is backing me when it comes to making sure my personal is not vulnerable to the public. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. ( Furnisher of information to credit agencies ) 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), an consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencie XXXX and XXXX do not have my consent to furnish this information and they surey do have my consent in writing. ( Furnisher of information to credit agencies ) Any and all consent to XXXX, XXXX ( Furnisher of Information to credit agencies ) whether it be verbal, no-verbal, written or otherwise is to be revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public information to a non-affiliated third party unless the consumer has provided an explanation of how the consumer can exercise the non-disclosure option. '' ( Furnisher of information to credit agencies ) has never informed me in regard to my right to exercise my non-disclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the reords of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reported again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures that are designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 'XXXX XXXX and XXXX are not maintaining reasonable procedures. Per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' The credit reports, XXXX and XXXX, have the incorrect name. It is questioned whose information is reported on my report?
Company Response:
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.2K open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem with a credit reporting 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 distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A