Date Received: 2023-08-14
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: I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX NJ XX/XX/2023. As of today XX/XX/2023 I have yet to receive the title for the vehicle. I had to file a complaint with both the NJ attorney General and with the NJ XXXX. Being I live in XX/XX/XXXX a vehicle is not an accessory but a necessity. Unfortunately XXXXXX/XX/XXXX I assume committed some type of scheme and I was never issued a title leaving me unable to register the vehicle. Nevertheless was updated by the attorney general that NJ XXXX has suspended XXXX Cars license to operate and investigating and needing time to recreate a title. Still leaving me without a vehicle. Based on my Contract Retail installment agreement my finance company is strictly listed between me and XXXX XXXX no other parties. But on my credit report a finance company claims to have interest in the sale in which I never agreed or signed any agreement with anybody beyond XXXX XXXX. Based on Federal Law NMSA 56-1-15 my retail agreement does NOT meet all the requirements outlined for the the 3rd party to have anything listed on my credit report which is damaging my credit credibility and score. I would like the company to remove all information that is listed on my credit report to prevent a defamation claim from being filed against them.
Company Response:
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I've had the capital one credit card for many many years, which I have used a lot and always paid on time. I have a XXXX credit limit so my minimum payment is not low.. After covid everything changed and i bough a house a lil before covid, then i had XXXX kids, and am now single, my income changed dramatically after covid, but i was managing to do minimum payments. Right now I am not able to make not even the minimum payments so i decided to call to get help. It is incredible that such a big bank like Capital one was not able to find ANY ANY programs, any solution, nothing. I asked them to lower the minimum payment, nothing, i asked them to lower my interest rate for a certain period of time, NOTHING... am not sure if it was the associate that did not know what he was doing or it is just that capital one after they XXXX the life out of you with the highest interests rate they simply dont care to help customers when they need it. Ive paid XXXX of dollars in interest rates already so they tell me now they can not help me. I feel robbed
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Resolution for Late Payments : This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. I demand the late payments to be removed off of these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was a victim of identity theft and there are inquires on my report that I do not recognize
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX, I made two payments to my XXXX XXXX XXXX rewards credit card totaling {$1700.00}. My account limit is {$1500.00}. I then made a charge on XX/XX/XXXX for {$130.00} at XXXXXXXX XXXX XXXX. The payment posted on my credit card on XX/XX/XXXX. I then called XXXX XXXX to cancel my credit card with them. At the time my balance was {$0.00} from my recent overage payment of {$1700.00}. When I called their customer service to cancel I had {$32.00} left for rewards, which was going to be given tome in a check in 3 statement months. In XXXX I check my po box and seen a check from XXXX XXXX for {$130.00}, which was confusing I was only suppose to get a check for reward 3 months later. I checked my account and they rearranged my post date and sent a check out for a item I already paid for. At this point I owe {$140.00} for interest and the {$130.00} payment for XXXX. I took the {$130.00} check and deposited and repaid XXXX XXXX again for their mistake of sending me a check in the first place. This then left a balance of {$12.00}. I assumed they would catch their error and correct my account because the account was paid in full the interest should not have been charged in the first place when there was a XXXX dollar balance. Months go on they continue to charge me interest fees and {$28.00} late fees. I didn't pay the because its XXXX XXXX issue to fix my account which they didn't. I called on XX/XX/2023 to get more assistance with this account because my new past due balance is {$160.00} and they are reporting negatively on my credit report and its now in collections. The supervisor over collections took off {$39.00} dollars and told me I have to pay the rest even though she sees the issue and what happen on XXXX XXXX end she can't refund more late fees. And that I should set up a payment plan before the account is charged off at the 180 day mark.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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: I sent Capital one checks to pay my account and they held the checks for an extremely long time and then marked my account late. Then to be sneaky they didn't cash the checks I sent but turned around processed the payments via ACH and didn't return my checks to me. I didn't want any payments going through my account via ACH. I never gave them permission to do this and they did it anyway. Now my credit is suffering for late payments that were not late. I need to know where my checks are? I also need to know why were my checks ran as ACH without my permission. I also need you to remove all the negative remarks that are not accurate.
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have a Venture card with Capital one and I made a car rental booking with them for XXXX XXXX and they have banners showing free cancellation on the booking page, but when calling to cancel the reservation they refuse to refund me my money back mentioning fine print abusive tactics.
Company Response:
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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: I noticed that Capital One has reported a charge-off status for an account that I believe has been inaccurately reflected. I have diligently maintained my financial obligations and made efforts to address any outstanding balances. They started reporting this on XX/XX/XXXX. The last reporting was on XX/XX/XXXX. The balance on this is XXXX dollars. It is to my understanding that they have sold my account to a collection agency in the beginning but now they got a credit from the IRS when filing my account.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, I applied for a credit card through Capital One and was illegally denied. After being denied, I send an adverse action letter to Capital One on the XXXX of XXXX. I have yet to still hear from them in regards to my demands for remedy. As per 15 U.S.C 1691, and 12 CFR 1002.4, a consumer can not be denied credit based on any aspect of a credit transaction. FRA 16 Part 2 states that my application was collateral security in a credit transaction. I was not granted the use of my credit, but my credit was used and there was unauthorized use of my Personal Private Information. 18 USC 8 defines what other securities are in regards to the US debt. 15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW. 15 USC 1602 ( J ) defines an 'open ended " credit plan. I will also send a Notice of Default to Capital One for not responding to my Adverse Action letter or my demands for remedy. Further non-compliance will result in a Notice of Fault & a suit filed in US District Court.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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: I reported a fraud charge on my credit card made on XX/XX/2023 for {$640.00}, I was credited for the amount and then charged back again for the amount. I contacted my credit card company multiple times stating it was a fraudulent charge they called the merchant XXXX and they claim its a valid charge but Im telling them its a fraudulent charge and the credit card company capital one is holding me responsible for the {$640.00}. They dont care for my safety as a consumer and wont protect my account but will gladly hold me accountable to pay for a fraudulent charge.
Company Response:
State: CO
Zip: 803XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A