Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, the Capital One Branch in XXXX XXXX NY inappropriately restricted access to our funds. We requested a cashier 's check during normal business hours and were told that they were out of checks. Subsequently, we were told that they had the cashier 's checks, but they were locked in a vault and nobody on duty could access them. We asked instead for a wire transaction to be processed, but were informed that the dollar amount we requested exceeded their wire limits and that they would only wire 1/3 of our requested amount. The bank 's suggested driving to their XXXX NYbranch at rush hour, 15 minutes away with no traffic. This was completely out of our way and with rush hour traffic there was no guarantee that we would have made it to the location prior to it closing. As such, our transaction is delayed, resulting in undue burden on the parties involved. Spoke with Branch Manager who did not understand the inconvenience it caused and proposed no practical solutions to resolve the problem other than to delay our transaction.
Company Response:
State: NY
Zip: 105XX
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: 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: In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 94 written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Company Response:
State: FL
Zip: 34953
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: 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: Purchased a shoes from XXXX. Received a damaged product and requested a manufacture defect item return process which was non-responsive from adidas. They are avoiding to honor their " manufacture defect item '' return policy. Disputed a charge with Capital One, submitted pictures of the manufacture defect product along with the receipts and order confirmation and it was denied twice for " insufficient evidence ''.
Company Response:
State: CA
Zip: 90006
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Capital One called me this morning XX/XX/23, to tell me that someone used all of my personal private information to apply for a credit card. I already have a credit card with Capital One. I told them that it was not me who applied for another credit card online. My wife told me that Capital One call her also to tell her that someone applied using both of our private personal information to apply for a credit card either late on XX/XX/23, or early on XX/XX/23. We did not apply for a joint credit card at Capital One. Capital One denied the fraudulent applications. I am sending a letter to Capital One so they can provide me the full application submitted online by the criminals, so I can file a police report with my local police department.
Company Response:
State: VA
Zip: 22191
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Call logs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did contact CapitalOne Auto finance department to make payment arrangements on the auto loan to get any past due balances caught up. They stopped for two weeks and emails continued. Payment arrangements are being upheld to make sure auto loan is being paid up to current. These calls need to stop. Also emails have been sent consistently every day about my auto loan past due. Contacted them on
Company Response:
State: SC
Zip: 29301
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: 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 U.S.C 1681 section 602 A. States I have the rights to privacy. 16 U.S.C 1681 section 604 A Section 2 : of also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: NY
Zip: 11102
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: 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: IA
Zip: 505XX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX XXXX Purchase - {$1100.00} XX/XX/XXXX XXXX Purchase - {$1300.00} XX/XX/XXXX XXXX Purchase - {$2400.00} Hello, These charges on this card are not mine. I'm not using this card as much lately and I see about {$5000.00} worth of fraudulent charges. I dont use XXXX I dont know if that is a shipment of something but I KNOW I havent spent {$5000.00} like that. I called twice as soon as I saw and they said " Capital One is Closed '' so until then Im sending this. Thank you. Thank you.
Company Response:
State: GA
Zip: 306XX
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: 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: 33125
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Capital One allowed someone else to open this Credit Card in my name Ive contacted them directly, also have contacted all 3 credit bureaus & Capital One has responded to them saying this card belongs to me & it definitely doesnt I never opened this Card.
Company Response:
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A