Date Received: 2023-08-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Back in XXXX of 2023 Capital One closed my checking account. They havent told me why, although I suspect it was because I tried to move money to an account I have that was linked to my old address in a different state for my rent payment, but I think I accidentally did it twice so it probably looked fraudulent. This is fine. But they havent returned the money that was in the closed account. Im out XXXX from said closed account. Ive been trying to contact them for months and they always direct me to a line that says to leave my name and number and someone will call me back. No one has called me back. I dont know where my money is and when Ill see it again.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX of XXXX I had received pre-approval letter from Capital One for their XXXX credit card. The letter also states that if I open a XXXX credit card account with them by XX/XX/2023, and spend {$500.00} on purchases within 3 months of opening the account, I will earn a {$200.00} one-time cash bonus. By XX/XX/2023 I had spent over {$500.00} on purchases and didn't receive the {$200.00} cash bonus that I was promised. I called capital one and spoke to a few different representatives from their rewards department regarding this matter but they all made up different excuses why I'm all the sudden not eligible for the bonus.
Company Response:
State: CA
Zip: 92395
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Capital One was offering a promotional offer for a welcome bonus for their capital savor one card. The promotional offer is advertised on their website and through credit karma declaring there is a {$200.00} welcome bonus for new account member sign-ups for this particular card, if they spend {$500.00} within 3-months. I have complied with their terms and conditions, and reached out to their customer service inquiring the status of when I would receive the welcome bonus but was notified I was not eligible. The customer service member failed to declare why I was not eligible for the reward offer based on the terms and Conditions. I requested the terms and conditions and was notified that they did not have the terms and conditions to share with me and that no one would be able to supply me the terms or conditions or explain why I was not eligible. I opened up my account on XX/XX/2023 and have exceeded the {$500.00} requirement by early XXXX which fulfilled their requirement prior to XXXX. Capital One refuses to provide any additional information indicating why I was not eligible for the welcome bonus and refuses to provide me the terms and conditions to show that I was not eligible for the welcome bonus that was bring offered on their capital savor one card.
Company Response:
State: PA
Zip: 15235
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: Account information incorrect
Consumer Complaint: I called Capital One Customer Service for Credit Card Holders over the course of the last week on multiple occasions. They also have the phone records and it links them to my account. I read them their privacy policy which will be attached below verbatim and expressed that I was exercising my right to OPT-OUT of any and all of my personal, financial and confidential information being furnished to any third party non-affiliates such as credit bureaus like XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some agents claimed they couldn't opt me out and I spoke to supervisors who said they could opt me out and made claims that they did. Yet I ordered my credit reports from all the bureaus and my information is still being illegally reported. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting to no avail and more disrespect. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. My account displays clear VIOLATIONs of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), EXCEPT AS PROVIDED in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and Capital One Bank, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED. Capital One Bank 's privacy policy Specifically says they cant share information on credit worthiness. Theyve been reporting 9 months ' worth of creditworthiness information unlawfully without my written or verbal consent and that's grounds for an {$9000.00} pay out according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation, for account ending in ( 2341 ) without my expressed written consent. They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Every discrepancy I mentioned herein is also a violation of the Privacy Act of 1974 FCRA Permissible Purpose The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. For example, FCRA section 604, entitled Permissible purposes of consumer reports, identifies an exclusive list of permissible purposes for which consumer reporting agencies may provide consumer reports,8 including in accordance with the written instructions of the consumer to whom the report relates and for purposes relating to credit, employment, and insurance. The statute states that a consumer reporting agency may provide consumer reports under these circumstances and no other. In addition, FCRA section 607 ( a ) requires that [ e ] very consumer reporting agency shall maintain reasonable procedures designed to... limit the furnishing of consumer reports to the purposes listed under section 604. And FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. In addition to imposing permissible purpose limitations on consumer reporting agencies, the FCRA limits the circumstances under which third parties may obtain and use consumer report information from consumer reporting agencies. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. The Bureau and the Federal Trade Commission ( FTC ) have collectively brought numerous enforcement actions to address violations of the FCRAs permissible purpose provisions. For example, in a case that resulted in a XXXX settlement with a consumer reporting agency, the FTC alleged that the agency violated the FCRAs permissible purpose provisions by providing consumer reports to persons without a permissible purpose, resulting in at least 800 cases of identity theft. More recently, in XXXX, a group of companies and individuals settled Bureau allegations that they obtained consumer reports without a permissible purpose when they obtained consumer reports for use in marketing debt relief services. Also in XXXX, a mortgage broker settled FTC allegations that it used consumer reports for other than a permissible purpose when, in response to negative reviews on a website, it publicly posted information it had obtained from a consumer report about the reviewer.
Company Response:
State: CT
Zip: 06042
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Capital One Account # XXXX and Capital One Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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: CO
Zip: 800XX
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: Denied request to lower payments
Consumer Complaint: I COSIGNED FOR MY DAUGHTER HER FIRST CAR. SHE ACTUALY PAID ON THE CAR NOTE FOR COUPLE YEARS. HER FINANCES AS WELL AS AS MINE WERE GREATLY AFFECTED DUE TO PANDEMIC. IT WAS NOT LONG AFTER SHE FELL BEHIND ON HER PAYMENTS THAT SHE WAS IN A CAR ACCIDENT AND THE CAR WAS UNABLE TO BE DRIVEN AND WAS SOON REPO.
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the dates XXXX XXXX I was sent payment from my mother of a total of {$15000.00}. On XX/XX/XXXX I received an email from capital one who I bank with saying my account has been restricted with no access to my funds. This is my only bank account I have and I cant pay my bills or do anything until this is solved. Ive called multiple times to the customer protection team but they dont give me any answers and tell me just to wait for a response that they dont have a timetable on. They gave me another number to call for updates but it just goes to voicemail
Company Response:
State: FL
Zip: 33919
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: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/XXXX I rented a car with XXXX XXXX a car LLC. For this car I used my capital one 360 checking account with my debit card. Initially I was only renting for a week or XXXX due to my personal vehicle needing repair. The rental was from XX/XX/XXXX - XX/XX/XXXX in police custody until XX/XX/XXXX. There was also a hit and run accident on XX/XX/XXXX which has a claim with my insurance company XXXX. On XX/XX/XXXX XXXX charged my account {$3200.00} for the rental without sending me an invoice or any follow up about the accident. XXXX then charged my account again on XX/XX/XXXX for other fees for {$280.00}. This has left my capital one 360 checking account negative {$3400.00}. I submitted a dispute in XXXX because XXXX should have done their due diligence and contacted me before processing any payment especially with the vehicle being involved in an accident! After I sent in the dispute that is when XXXX sent me an invoice on XX/XX/XXXX. They validated the chargeback! Now come XX/XX/XXXX I was emailed a request for payment from XXXX for the amount of {$3500.00} with all payments considered through XX/XX/XXXX. They continue to send this demand for payment. I have reached out to both companies! Capital One insists it has been paid through them. I can only reach XXXX via email and I have provided them with copies of my bank statement to prove the debt was paid from Capital One! How can I owe XXXX companies for the same debt? This has effected my ability to use my bank account, XXXX and negatively impacted my credit!
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: a credit card was opened in my name without authorization. the first inquiry on my credit report was XX/XX/ and another happened on XXXX. a card was successfully opened and sent to my house, but I had never applied for it.
Company Response:
State: NE
Zip: 68130
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I Just started getting into building my credit I was too young at the time to establish any credit or have a card. Now that Im trying to establish and build my credit I see that theres charges on my credit report that I had no idea about.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A