Date Received: 2023-08-20
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: Have bought clothes from XXXX XXXX on XXXX for XXXX dollars and then when i received them I did not like the poor quality so I returned them back to XXXXXXXX XXXX using their prepaid return label with XXXX tracking number XXXX and XXXXXXXX XXXX received the return but they NEVER refunded me my money and until now I never received my refund back from XXXX XXXX So I disputed the charge with capital one credit card on XX/XX/ and until now capital one card has not resolved the case to my favor even though I RETURNED THE ITEMS AND I PROVIDED TRACKING INFORMATION THAT SHOWS ITEM RECEIVED BACK BY XXXXXXXX XXXX XXXX tracking number XXXX. XXXX XXXX is not refunding my money and capital one card is not permanently refunding my money Order number from XXXX XXXX XXXX I want my money back because I returned the items back to the seller and I want capita one Visa card to refund me my money permanently
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. Thanks.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX XXXX I hope this letter finds you in good health. I am writing to you as a matter of urgency to address the outstanding debt owed to me by Capital One Bank ( hereinafter referred to as " the Bank '' ). On XX/XX/2023, the Bank abruptly closed my account which I had maintained for four years without any prior notice or valid reason. Subsequently, I have been relentlessly seeking the release of my funds, which amount to a total of {$55000.00}. These funds represent my life savings, accumulated through countless hours of hard work and dedication. The closure of my account has caused significant distress and inconvenience in both my personal and financial affairs. I am currently unable to access my funds to pay for essential expenses such as medical bills, house bills, and credit card bills. This situation has put me in a compromised position, as I have been unable to seek necessary XXXX XXXX, including a XXXX that I urgently required during my XXXX. The Bank 's actions have caused immense emotional and physical harm to me and have hampered my ability to lead a normal and healthy life. Despite numerous reminders and attempts to rectify this matter, the Bank has persistently failed to release my funds or provide a valid explanation for their actions. It is disheartening to note that the Bank does not have any physical branches to visit for resolution and has continuously evaded its responsibility towards its customers. In light of the aforementioned circumstances, I hereby demand the immediate release of my funds totaling {$55000.00}. Furthermore, I request an additional {$45000.00} as compensation for the undue hardship, emotional distress, and inconvenience caused by the Bank 's actions. I expect full repayment of the total amount owed, {$100000.00}, within a period of 14 days from the date of receipt of this letter. Please be advised that if payment is not received within the stipulated timeframe, I will have no choice but to pursue legal action against the Bank to seek redress and ensure that justice is served. I believe that it is crucial to hold the Bank accountable for its unethical and detrimental conduct towards its customers. I trust that you understand the severity of this matter and acknowledge the urgency with which I am pursuing resolution. I kindly request your immediate attention and cooperation in resolving this issue in an amicable and timely manner to avoid any further legal proceedings. Thank you for your prompt attention to this matter. I look forward to receiving full payment within the specific timeframe.
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX has not provided validation of debt as requested. I also never signed a legal contract with XXXX XXXX XXXX, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX- Enroll to Capitalone 's XXXX XXXX XXXX online and accepted XX/XX/XXXX - Used the card in XXXX and sent my full payment, along with {$390.00} Annual Fee. No problem. XX/XX/XXXX - Received an email to submit the following supporting documents. Government Issued ID/Drivers license - XXXX Driver License Social Security Card Proof of Residence XXXX XXXX to XXXX Water Bill Bank Statements- XXXX XXXX Checking from XXXX to XXXX XX/XX/XXXX - Successfully submitted the requested document. Case number XXXX Reference number : XXXX Around XX/XX/XXXX - Received a letter from CapitalOne saying the card will be suspended until further verification with the above-requested document. Made a call to CapitalOne told them I have already sent them all the document. Then they told me, it will take time to process and get back to me regarding the suspension of the credit card. NO ONE CALLED OR EMAILED OR ANY LETTER OF STATUS UPDATE from XXXX. XX/XX/XXXX - Called and talked to Agent XXXX, Agent ID : XXXX, and requested escalation to cancel my card and get the refund of my Annual Fee. He told me to wait for his supervisor, but I have to attend a meeting so I need to call back. XX/XX/XXXX - Called and requested escalation to resolve my annual fee with Agent XXXX, Agent ID : XXXX. The call was escalated to a supervisor name XXXX, and they said the case has been passed 40 days, so there is no refund, but she will escalate my case to their " Dedicated Team '' and someone will get back to me within 10 days. XX/XX/XXXX, & XXXX - I received emails asking me for payment. The card has been suspended since XX/XX/XXXX, and no one from CapitalOne has sent email, mail, or call to update on the status of my document submission, so I have no idea why there would be any charge to the credit card. Also, why would they refuse to refund my annual fee when they accepted my application online in XXXX, and then all of a sudden suspended my card and refuse to refund my annual fee of {$390.00}. It is a fraud to keep my annual fee. XX/XX/XXXX - One last call to see if their " Dedicated Team '' has any answer, but CaptialOne continues to have the same run-around. I hope CFPB can resolve this and get back my annual fee as soon as possible.
Company Response:
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called Cap1 credit card division when I realized my checking account paid an auto payment of {$160.00}, {$50.00} OVER MIN pymt due & also made a {$210.00} payment, not realizing I had signed up for Auto Pay. I can't remember when I ever, ever bounced my checking account. However, I've been having issues remembering things in the last few years. I called Cap1 to see if they would send back the {$210.00} second payment made on XXXX 3rd.due date. The agent checked to see if he could reverse the payment or refund online, the way my bank, XXXX XXXX XXXX, paid the {$210.00} on the XXXX. He called my bank & we listened to what checks went thru & the {$210.00} & the {$160.00} auto pay both cleared. He then told me to call back he now would have to 'mail ' by check my already cleared money. A nasty lady got on the phone & said I would receive a check in the mail in XXXX days. Today, the XXXX of XXXX I received a 'letter ' saying they were sending the check thru the mail. 98 % of the time I NEVER receive the credit cards they send me & all for XXXX % interest!!! HELP. I DoNot want to have Cap1. They always charge {$40.00} late fee even if it's XXXX minutes late, 29 % interest which I did NOT originally sign up with. I doubt I will ever see that check.
Company Response:
State: OH
Zip: 45102
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: a auto loan was opened through capital one without my knowledge in my name for {$26000.00} on XX/XX/2018. i called called capital one and asked for it to be removed from my credit report when i found out about it but they did nothing so i filed a claim with the FTC ref number XXXX and am asking for it to be removed
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This problem all started by my account having a temporary suspension of transferring money because of a reversal. When I called to get everything sorted out, they stated that I needed to verify my license through a link and everything should be settled. They stated in the call that I had a reversal and if I had another then my account would be closed and I stated I understood. However there was an error when sending the picture of the license and they can only send one link a phone call as the representative stated. She told me to call back to receive another link and process my account suspension being lifted. When I called back I received another link and the new representative stated the same thing about my account having a reversal and to be cautious. I stated I understood and she sent me the link. However, the website was under maintenance at the time I called so once again we were unable to process uplifting the suspension on my account. She told me just to call back in and hour or two so I could finally receive the link and process what I had been trying to do for six hours at this point. When I called back for the third time, and tried to receive my link, the third representative told me they were closing my account. He also told me I didnt have one, but three total reversals on my account! This was the complete opposite of what I was told by two prior representatives! And besides the facts, the reversal happened because I was moving money around in my primary XXXX XXXX XXXX XXXX account and didnt realize I requested the transfer before I started moving funds! Ive always had a great standing with my primary account and Capital One closing this checking account is extremely unfortunate! Please help me get it reopened.
Company Response:
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company closed both credit cards without any notice and continue to report late payments after closing for no reason or notice. One card had perfect payment history at the time of being closed. I demand that Capital One be completely deleted off my credit report.
Company Response:
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Four years ago, in 2019, I asked Capital One to close my XXXX Money Market checking account ending XXXX. CapOne has nevertheless kept my account open all this time, while preventing me from accessing my balance. I complained to CFPB previously ( see Complaint ID XXXX, attached for reference ), to no avail. Recently CapOne had the gall to notify me that due to lack of account activity for 24 months, CapOne intended to close my account and ESCHEAT MY BALANCE to a third party! ( Attached for reference ). That email gave me the supposed option of logging in to online banking to make a transaction. However, it's a fake option. When I logged in and attempted to link an external account so that I can transfer the funds, I repeatedly received an error message : " Oops, we've hit a snag! '' ( Attached for reference ). So CapOne is PREVENTING me from accessing my own funds. My mailing address has not changed over all these years, so CapOne has no excuse for not refunding my balance to ME. CapOne is holding my balance hostage, and threatening to send it to someone else, which is unfair, deceptive and abusive. CapOne probably does this to many customers, and needs regulatory enforcement and a class action lawsuit to correct its practices and make customers whole.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A