Date Received: 2023-08-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My husband sold his company recently. The acquiring organization is based in XXXX. He received about {$320000.00} from the sale and had it deposited in my bank account, Capital One 306. We had access to the money for about three weeks, but funds were frozen just as we issued a large wire payment to repay a debt ( 2 payments, equal to {$110000.00} ) and scheduled a transfer of most of the remaining funds ( roughly {$120000.00} ) to XXXX XXXX to invest in a mutual fund. Conveniently for the bank - who pays us 0.1 % interest on over {$250000.00} and uses that as the basis to lend out {>= $1,000,000} at 8 % interest- they decided this amounted to " suspicious activity. '' So they closed my account. Their official justification is that my husband set up the wire transfers ( at my request, because I'm not great at that kind of thing ). Which is fine. If they don't want our money after 10 years, that's fine. They then sent us an email ( we kept a copy ) saying that a check would be mailed to us in 7 to 10 business days. That was 20 business days ago. Since we haven't received it, we called... we were told that our account hadn't been closed, and it was under investigation. No funds would be released until after the investigation was completed. So, they lied to us ... and have probably made about {$15000.00} in interest in the meantime. Then they gave us the phone number of an anonymous voicemail box that assured us we'd get a call back in XXXX hours. That was 50 hours ago. So, they lied to us again. Today, when we called to figure out why we didn't get a callback within 48 hours, the first person hung up on us. The second person didn't help us and did his best to not connect us with a supervisor. We then connected with a supervisor who... hung up on us after saying his name. So, where is our {$250000.00}? Why is it being investigated? Do we get a voice in this process? Why has the bank lied to us twice now? Is there a consequence to them lying to us? When can we expect our money?
Company Response:
State: CA
Zip: 91403
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Capital one credit, I have XXXX closed cc accounts from XXXX, that were all paid in full on XX/XX/XXXX. Capital one Quick silver card ending in XXXX was reported 30 days late in the month of XX/XX/XXXX. I paid the full balance that was shown {$190.00}, on XX/XX/XXXX, On the card ending in XXXX, is currently showing a {$12.00} balance, which i was not made aware of at the time of fulfilling the full amount due. Capital one told me over the phone that the account was still open, which is not true as reported on my credit report, and i do not have any access to any credit as the account states, {$0.00} of available credit out of a {$300.00} limit, with a {$12.00} reported balance. All three card accounts I had with them are closed and have been reported as so. In XX/XX/XXXX they reported a late payment of 30 days late, on an account that was closed in XXXX
Company Response:
State: CA
Zip: 92056
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Capital one has been repeatedly calling me even though Ive asked them to stop, they have made threats as well as claiming to be an attorney. They call at all times day and night and have even claimed to work for the company and will it stop harassing me.
Company Response:
State: TX
Zip: 75602
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX Dear XXXX XXXX XXXX XXXX, I am writing to you today to express my serious concern about the evident violations of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced due to the actions of your company. Specifically, you have violated codes. 15 U.S. Code 1692b 15 U.S. Code 1692e ( 3 ) 15 U.S. Code 1692j ( b ) 15 U.S. Code 1692f ( 7 ) 15 U.S. Code 1692e ( 10 ) 15 U.S. Code 1692e ( 13 ) 15 U.S. Code 1692i ( b ) 15 U.S. Code 1692f ( 1 ) Enclosed, you will find evidence of these violations, along with an invoice and a detailed affidavit outlining these infractions. Furthermore, your dated letter serves as a clear example of your agency 's negligence toward ethical and legal obligations. I demand your prompt action to address these matters, as they not only highlight your agency 's lack of competence, but also a concerning disregard for consumer rights. Your actions have caused me to suffer significant harm, including emotional distress, damage to my reputation, and derogatory marks on my consumer report. This is unacceptable, and I demand that all derogatory marks are immediately removed from my consumer report. Furthermore, I demand that you pay the attached invoice for the cost of the harm caused by your violations. Your failure to comply with these demands will result in further legal action against your company to uphold my rights. I want to emphasize how seriously I take this matter, and how deeply disappointed I am that your company would violate such important regulations. The FDCPA exists to protect consumers from harassment, abuse, and other unfair debt collection practices. I urge you to take immediate action to rectify the situation, and to ensure that similar violations do not occur in the future. Please respond to this letter promptly with your plan for addressing these issues. I expect a response no later than XXXX XXXX, 2023. Enclosed documents : Initial Letter from XXXX XXXX XXXX XXXX ( Dated XXXX ) Proof of Violations ( Exhibit 1, on XXXX, Exhibit 2, on XXXX, Exhibit 3 on XXXX ) Invoice for Damages Affidavit of Violations Sincerely, XXXX XXXX : Capital One, XXXX. c/o XXXX XXXX XXXX ( XXXX ) AFFIDAVIXXXX OF FACT Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder, in due course of any and all derivatives thereof for the given name XXXX XXXX XXXX, and being the executor both public and private for all matter proceeding, and I hereby claim that I will d/b/a XXXX XXX XXX and autograph as the agent, attorney in fact, so be it ; 1. It is a fact that affiant is the only natural person with first-hand competent knowledge of the facts of this transaction. 2. It is a fact that affiant is a consumer as defined in the relevant act because affiant is a natural person. 3. It is a fact that XXXX XXXX XXXX XXXXXXXX is in violation of the relevant act for using their logo indicating that they are in the debt collection business. ( See Exhibit 1 ) 4. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for false or misleading representations for indication that the communication is from an attorney. ( See Exhibit 1 ) 5. It is a fact that XXXX XXXX XXXX XXXX is a debt collector as defined in the relevant act because they are attempting to collect an alleged debt. ( See Exhibit 1 ) 6. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for communicating with affiant by postcard without the expressed direct permission of affiant. ( See Exhibit 1 ) 7. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for stating the affiant owes an alleged debt. ( See Exhibit 1 ) 8. It is a fact that XXXX XXXX XXXX XXXXXXXX is in violation of the relevant act for false or misleading representations for implication of legal documentation. ( See Exhibit 2 & Exhibit XXXX ) XXXX. It is a fact that XXXX XXXX XXXX XXXXXXXX is in violation of the relevant act for legal actions by debt collectors by implication of having authorization to bring legal action. ( See Exhibit 2 & Exhibit XXXX ) 10. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for stating the affiant owes an alleged debt. ( See Exhibit 2 & Exhibit 3 ) 11. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for request of collecting greater amount than what is allegedly owed. ( See Exhibit 2 & Exhibit 3 ) I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my knowledge so be it ; AFFIDAVIT OF FACT I DO NOT accept this offer to contract. I DO NOT consent to these proceedings.
Company Response:
State: GA
Zip: 30274
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Capital car financing gave pre approval options so I went with the pre approval so my credit wouldnt be affected! A person from capital one reaches out and tells me I didnt qualify for pre approval but stated they could try other options and would give me a call back. I told the representative that I didnt want to go through the process if it wasnt a soft inquiry and they said okay. Two days later capital one submits 2 credit applications without my approval DAYS LATER to 2 different loan companies one being capital one and one being XXXX who I never even heard of until it hit my credit report! I tried contacting capital one about this issue since XXXX and they keep giving the run around not acknowledging that they rep kept my SSN on file after I denied they service and used my social to apply for car loan applications TWO days LATER without my consent! This is damaging behavior to the consumer to hit their credit with 2 hard inquiries when they did not consent of this and is bounds for identity theft. It is illegal to use some SSN days later without having their consent and also to store someones credit number is absolutely INSANE. That kind of information is sensitive and a representative should not still have access to my ssn days later after we talked!
Company Response:
State: TX
Zip: 77008
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: My bank closed my account due to a peer of mine calling his bank and saying he did not receive services from me, the bank then restricted my account 2 days before I had to pay rent so I had to go in person to receive my money from the bank itself and then on Sunday my account is closed and Im being sent a check, I also can not apply for a new bank account and I work 2 jobs
Company Response:
State: NY
Zip: 11706
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a billing statement with a balance of {$1700.00} that reported that I needed to submit payment before the payment due date of XX/XX/XXXX. I sent payment in full for {$1700.00} in a legal tender payment form via mail on XX/XX/XXXX. I called Capital One and they confirmed that they received my mailed-in payment on XX/XX/XXXX and would process payment accordingly. On XX/XX/XXXX I checked to see if the account balance was updated but I realized that they did not apply my payment to my account. Capital One then reported the closing of the account to XXXX and all other credit reporting bureaus on XX/XX/XXXX without correctly the billing error of the account balance or letting me know why they decided to close the account. Instead, they reported a new interest-increased balance month to month without the application of my payment. They are reporting the account as closed but increasing the account balance each month requesting I repay a new balance without acknowledging that my original payment has not been applied to my account. I sent letters on XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX all in an effort to correct this but Capital One has refused to do so. Now they have reported a balance of {$1900.00} on my consumer report without adjusting my payment of {$1700.00}.
Company Response:
State: PA
Zip: 186XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On, or about, XX/XX/2023, I was notified by Capital One, via email, that both my checking ( account ending in XXXX ) and savings account were to immediately have withdraws from the accounts frozen. There was absolutely no explanation as to why Capital One decided to take this action, which is understandable given that the notification was by email. I immediately called the support number ( XXXX ) that appeared on the web portal, along with a message reiterating that my accounts had withdraws frozen. After entering my information into the validation portion of the automated phone response, I was prompted to " leave a voicemail to be reviewed and the support center will determine if a return call it warranted ''. How can this be an appropriate response to locking someone out of their funds? Never-the-less, I left a voicemail and waited for two weeks with no response. In the first week of XX/XX/2023, I decided to continuous call different Capital One support numbers until I finally reached a representative that could see details as to why Capital One decided to freeze my accounts. This representative kept reiterating that she could not tell me anything other than that Capital One decided to freeze my accounts and that I am never allowed to open another account with them. There was no explanation as to how long my accounts would be frozen and even any detail as to why this happened. The next day I decided to call the same number again, hoping to reach an actually helpful representative. This time, the representative told me that Capital One was investigating my checking account and would close my savings account and send me a check with the remaining amount. Still, I was not given any explanation as to why this happened or how long I would be locked out of my funds. I was told, however, that someone would call within the week to give me details about what is happening and why. Needless to say, I never received this call. In the first week of XXXX I decided to call the same number to get an update in regards to this call I was supposed to receive. Again, the representative told me nothing in regards to why this happened or how long it would take. The representative told me that they would definitely be calling within two weeks with a call regarding what is happening and why. It's now XX/XX/2023 and I have not had access to my funds ( {$6700.00} ) since XXXX. I have still not received any explanation as to why this happened. How can Capital One legally be allowed to immediately freeze an account with XXXX XXXX dollars and still not give any explanation. This is absolutely absurd.
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/23 I applied for a loan with XXXX XXXX XXXX and they sent capital one my information with out my consent reference number XXXX and they pulled my credit using my social security number and they are violating my rights 15 usc1611 and 15usc 1602 amount XXXX
Company Response:
State: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute of unauthorized transactions for XXXX. The rep only put in for transactions totaling {$530.00} claim number XXXX, That claim was denied. Another claim was put in for the same company XXXX claim number XXXX, I called Capital One and was told it was denied. Due to showing other transactions from XXXX I said I need to dispute all transactions the rep then put in for the ones there were not in but still left out the {$530.00}. I called capital one many times and they stated they could not refill for those. I have already made a complaint with CFPB XXXX I have left XXXX many messages and no call back. The 2 nd claim was closed and in my favor. They are leaving out the 1 st claim. This is wrong.
Company Response:
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A