Date Received: 2023-08-17
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Refinanced my XXXX XXXX with Capitol One in XXXX, XXXX. On XX/XX/2023, I hit a deer on my way to work. My claim was submitted to XXXX XXXX, who declared it a total loss on XX/XX/2023. They contacted Capitol One for payoff information and notified them of the total loss. For over FOUR ( 4 ) months, Capitol One has failed to provide XXXX XXXX with the title so that the total loss payment can be made and this loan paid off/satisfied. I have called Capitol One multiple times a week, every week, since the wreck on XX/XX/2023 to check on the status. I talk to customer service reps that just read log notes to me on the status. When I challenge them on items that are wrong, they look further and admit Capitol One has the information. Every time I call, I get a different response and there's always an excuse for why they have not resolved the matter. For instance, I sent the vehicle title to them at the address they provided. Then they told me they had it, but they needed a lien release from my prior lender, XXXX XXXX. Then, they said they were obtaining the lien release from XXXX XXXX. Then they told me they never received my title. Then, they needed a Power of Attorney for to get a duplicate title issued. I executed one and returned it to the address they provided. That was lost too. So, I had to provide another set of POAs in XXXX, so they could obtain a duplicate title. In XXXX, I was told they had submitted the application for a duplicate title to the XXXX XXXX. That was either wrong or that was lost too because they still have not applied for the XXXX title. Then I was told, once again on XX/XX/XXXX, that they needed a lien release from XXXX XXXX. The same lien release they said they were waiting on in XXXX. Then on the same call, I was told they did, in fact, have the lien release. Per a phone call to XXXX ( ID XXXX ) in the Capitol One Title Resolution Department today ( XX/XX/2023 ), Capitol One has received all of the documents and they are just waiting for a " back office review '' of the documents before they are sent to the Missouri XXXX. They have told me it will take at least 28 days to get a new title from the Missouri XXXX. At that point, they will forward the title to XXXX XXXX so that the final payment can be issued. This all seems to be yet more delay tactics. I stopped paying my auto loan payment in XXXX, 2023 because of these delays, which are not my fault. Capitol One has been in contact with and has received confirmation in writing from XXXX XXXX that the vehicle is a total loss and XXXX XXXX has the totaled vehicle in their possession ( since XX/XX/2023 ). All XXXX XXXX needs and is waiting for is the title from Capitol One. Meanwhile, I have not been able to get my replacement vehicle licensed with the XXXX because of documentation needed from the XXXX 's total loss. I am being pulled over by law enforcement for expired temporary tags. I am asking for the CFPB to make Capitol One review my case, expedite my title process, provide the title to XXXX XXXX so that the final payment can be issued and that Capitol One remove the late reporting on my credit history - as they have been the sole cause of delay in this matter. XXXX XXXX has handled my claim perfectly -- Capitol One has been a nightmare.
Company Response:
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for the Capital One XXXX XXXX extension because it said I would immediately receive a {$10.00} bonus. I never received the bonus and I don't know how to fix this issue. Please see screenshot below showing I did in fact sign up..
Company Response:
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Im not sure what's going on, Capital One continues to contact me about an alleged debt and even communicating with credit reporting agencies my private information.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Getting a line of credit
Subissue:
Consumer Complaint: in early XXXX of XXXX I in good faith applied for an extension of my consumer credit in order to receive a car and was denied. I am credit worthy and I supplied my social security card number and my driver license number on the application which according to the consumer credit protection codified in title 15 chapter 41 of the U.S.C, are in fact credit cards. ( XXXX credit cards ) I exercised my rights and notified this company of their illegal practices on XXXX XXXX. After reviewing my notice, they still decided that they were not in violation. when I asked for their claim in writing they refused to put anything in writing, stating " we don't have any correspondence for that ''. Even though it sounds like the lady was reading off a Letter. So, I am in good faith again trying to get their response to this matter in writing. This company is in violation of discrimination on a prohibited basis of my consumer rights. This is an official public notice that I will be using civil action. I have attached the correspondence sent to me from Capital One and the correspondence I sent them back.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting. XXXX XXXX, XXXX, Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States : I have the rights 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 an open and consumer credit plan as late for any purpose.
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2023-08-17
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: I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I saw the Capitol One Savor One credit card advertised throughout the internet with a {$200.00} bonus on {$500.00} spend within the first 3 months and it is advertised as such to this day on their website. I applied on the capitalone website and my application required additional identity verification. I called in and that department stated there are not any special " links '' to be eligible for that offer unless you are doing a referral link from a friend family member & I should be good. Fast forward a little over a week later, I finally receive my card and I call customer service to verify the offer and they tell me that my application did not include that offer and could not tell me why, which I can't understand since I have excellent credit in the near XXXX or XXXX. I feel like I have been bait and switched by the welcome offer presented on their website, I am unable to get help via phone and that is their only method of communication or escalation.
Company Response:
State: NY
Zip: 11378
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. Capital One, Cap One NA, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.I also received a letter from the company stating that they do not accept any other forms of payments besides Federal Reserve Notes, which is a complete violation of the Federal Reserve Act sec 16 part 1 & 2. Im fully competent and overstand my rights and I'm fully aware that the remittance coupon has value. It is interest thats is owed to the principal that must be transferred to the principal 's account when instructions are provided by the agent. You must not restrict the method in which the account is to be paid. If the agent or representative receiving this notice does not understand or is not qualified to handle this matter, you must forward this notice to your CFO or indentured trustee. you should also reach out to your legal counsel for further review if needed. I would like for all my accounts to be reopen immediately. I would not want to cause your company any liability under 18 U.S.C. 1341 due to lack of understand. The consumer 's relationship with you is governed by Consumer Protection Laws, specifically the Consumer Credit Act. And the consumer has lawful rights to exercise any right under the law. Please know that you shall not make any contract that violates the rights of any consumer.
Company Response:
State: GA
Zip: 30064
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR CAPITAL ONE ACCT XXXX BALANCE OWED XXXX Capital one im writing because I found a paid auto that being reported on my credit and it wasnt mines I filed a report with the ftc report XXXX stating this paid auto account is not mines, AND REQUEST U TAKE THIS PAID AUTO OFF OF MY CREDIT .IF U CHOSE TO NOT REMOVE THIS ACCOUNT ILL BE FORCE TO HIRE AN ATTORNEY TO FIGHT MY CASE IN ARBITRATION. MY REQUEST IS YOU REMOVE THIS PAID ACCOUNT FROM MY CREDIT. OR PLEASE SEND ME EVERTHING YOU HAVE SHOWING THAT I PAID OFF THIS CAR.PROOF OF ALL PAYMENTS, PROOF OF MY ID AND ALL CONTRACTS PERTAINING TO THIS PAID AUTO. XXXX XXXX XXXX XXXX EMAIL XXXX XXXX
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A