Date Received: 2023-08-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023, my family member sent me {$1000.00}, but when sending, the bank accidentally missed one digit of my account. After about 1-2 weeks, the sending bank corrected this and informed the receiving bank. To this day XX/XX/2023, the sender bank reports that the money has been delivered to the bank, while Capital One Bank says that the money has not been received.
Company Response:
State: NY
Zip: 11235
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: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : COLLECTIONS ACCOUNT : XXXX XXXX ORIGINAL CREDITOR : XXXX BALANCE : {$3300.00} REMARKS : Derogatory
Company Response:
State: NC
Zip: 27127
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have been trying to get through to an " account specialist '' through a representative at Capital One since XX/XX/XXXX to try to get a 10-day payoff letter. I called on XXXX at XXXX and was on the call for XXXX minutes to be told that an account specialist to write this letter was not available and to call back later. I called again on XX/XX/XXXX at XXXX and was on the call for XXXX minutes and was told the same thing, that an account specialist was not available and to try to call back in " XXXX days '' " due to the high volume of calls ''. I was told that the representatives had no way to send a message to this staff to either call me back or to create a letter once I got off the call. I called again today, XX/XX/XXXX at XXXX and was on the call for XXXX minutes and finally was able to get an account specialist to create a 10-day payoff letter. During this call, the amount for payoff was quoted higher than it was when I called on XX/XX/XXXX and I asked that the amount be lowered to what the payoff quote was when I first tried to get through on XXXX. I explained that it was not my fault that their account specialist wasn't available the first two times I called, and that I shouldn't be charged the fees/interest for that timeframe ; the representative indicated that there was nothing that they could do and that the increased charges would stand. I do not normally file complaints with higher agencies, but Capital One has been non-cooperative through this whole process. I am also hearing this issue ( not being able to reach an account specialist for a 10-day payoff letter ) is occurring to others via word of mouth. I can not help but wonder if Capital One is intentionally doing this.
Company Response:
State: AL
Zip: 357XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: on XX/XX/2023 I went to a car dealership to sell my car that was purchased through Capital One Auto Finance. The dealership and myself contacted Capital One to get the pay off amount and to facilitate the sell/purchase of the car to said dealership. On XX/XX/XXXX it was reported that my account payment was late... although we spoke on XX/XX/XXXX and sold the car to the dealership. I have contacted Capital One expressing this. Even in their OWN records it shows they deposited the payoff amount of {$28000.00} on XX/XX/XXXX - BEFORE they marked my account as LATE - of which I have never been late on a payment across the entirety of my credit profile. I mailed them, infor mation pertaining to this to no avail, so here we are.
Company Response:
State: IL
Zip: 604XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CAPITAL ONE Months XX/XX/2023 and XX/XX/2023 Reporting late payments on a closed account.
Company Response:
State: WI
Zip: 53208
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: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have exhibits attached in the upload section please review, and my vehicle was illegally repossessed from private property the contract that was misled and delivered in a deceptive way to me as a consumer it was never a loan. It was a consumer credit transaction, and now they steal my property from my property without legal order without providing any proof of their claim that they are in fact, legally able to threaten or take any of my property I need proof that the law states that thats OK and also the identity theft to furnish my information to non-public third parties thats illegal and all I know that my rights have been violated OK and I am a victim of identity theft and I have damages and theyve injured me and I need my vehicle back and I want to go ahead and pursue charges and I do not want this company reporting any negative information on my consumer reports as that is against the law I have all of the codes I have all the regulations according to law Ive already emailed them. Ive sent them certified mail of dispute, requests and theyve failed to respond, Ive also called many times and got it on recording calls that I am requesting these items, but they will not give them to me. I need a full accounting, step statement, ledger, showing the history of the full account, including the on and off ledger for the public on the private side I need every single accounting every single transaction, every single letter every single notice every single correspondence every single statement bill payment receipt invoice, any disclosures that I know that Im supposed to have as a consumer I need wet signatures on everything. I need a wet signature on my application which is the funds and I need to have capital one and XXXX proved to me with visible proof and that that I am the debtor and I am responsible for the double dipping of this transaction, and I need all everything mailed to me at my address which Ive provided and I need capital one XXXX XXXX, credit and capital one auto finance in XXXX XXXX XXXX to send me a copy of the contract and application and prove to me that they gave me alone written proof that they gave me alone and I need the written consent form that they were able to furnish my personal information and I need my property back tomorrow morning theres damages and we have an invoice so lets move forward. Thank you.
Company Response:
State: CA
Zip: 91765
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Victim of Identity theft and leaked data. Unknown inquiries posted to credit profile
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I lost my wallet & havent made any transactions off the card when there was transactions made on it that I had no knowledge of & I communicate that to the card services.
Company Response:
State: FL
Zip: 33023
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am writing to express my grave concerns and to file a formal complaint against Capital One concerning an account under my name, specifically the Capital One XXXX. Overview of the Issue : In XXXX of XXXX, after receiving communication about outstanding debts, I promptly sought legal assistance from the XXXX XXXX XXXX ( XXXX ) with the understanding they would help negotiate and settle the debts on my behalf. However, what followed was a series of unexpected and distressing events : In XX/XX/XXXX, I was informed that my case with XXXX was being transferred to XXXX XXXX. In XX/XX/XXXX, I was served with court documents from Capital One, claiming I owed an amount of {$5100.00}. Fortunately, XXXX XXXX responded to these documents, effectively placing the legal proceedings on hold. To my surprise, my case was then transferred to XXXX XXXX XXXX. I've found XXXX XXXX to be acting in bad faith, demonstrating a concerning lack of communication and transparency. I am in the process of filing a separate complaint against XXXX XXXX XXXX with the XXXX XXXX and Attorney General due to their unsatisfactory conduct. Also in contact with a lawyer regarding bankruptcy, due to my business needs as a small business owner I make almost no money myself and qualify for bankruptcy in this case. Though I would prefer to settle my debts for an amount that feels alright for everyone. Current Situation and Plea for Intervention : Due to XXXX XXXX XXXX 's questionable actions, I am now without any legal representation for settlement unless I find someone else, but for now I am facing increasing pressure from Capital One. It deeply concerns me that, as a consumer who took proactive measures to address a financial situation by engaging a law firm, I am now in a more challenging position due to the actions of the legal entities that were supposed to help.
Company Response:
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company will not remove inaccurate illegal transactions/experiences from my consumer report as they are prohibited per the FCRA and UCC. Company is causing intentional harm due to violations can have civil action taken against them for such activity.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A