Date Received: 2024-01-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called Capital One on Friday ; XX/XX/XXXX about my payment being late for the month. The XXXX said ok. I paid on XX/XX/XXXX, XXXX {$51.00}. I also paid on XX/XX/XXXX, XXXX {$30.00}. I received a letter in the mail on XX/XX/XXXX that my credit card was closed.
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/, Capital One closed my credit card without my knowledge or approval. They left a remark under my account stating " Account closed by credit grantor ''. I was never late nor did I have a balance to be paid.
Company Response:
State: FL
Zip: 32548
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I didn't try to ask credit from this company
Company Response:
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a 360-performance savings account with Capital One in XX/XX/2023. Once I was approved and qualified I put {$10000.00} into that account. on XX/XX/XXXX Capital One took that money out of my account without any explanation. I look at my Capital One savings account on my app and it tells me that my money has been withdrawn, and I no longer have access to my account. I called Capital One to get some information and they sent me to a XXXX XXXX number to leave a voicemail. I left voicemails three times and no one has called me back. I went into a bank in XXXX, TX personally and received no help but that I should try calling that number again. My money is nowhere to be found and it is not in my personal bank which is XXXX. Capital One refuses to talk to me about my account. When I leave a voicemail it says somebody will get back to me within 48 hours and that has yet to be done and I have called them three times in a month ( XXXX, XXXX, and XXXX ) and no one has called me back.
Company Response:
State: TX
Zip: 76126
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/2023, I contacted CapitalOne Financial to opt out of the sharing of my personal information with non-affiliated third parties. Despite my request, CapitalOne Financial has continued to share my personal information with third parties. I have attached a copy of my opt-out notice to this complaint.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My social security number was a victim of identity theft. I have reported this and sent police reports and ftc identity theft reports several times to discover and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet discover is still reporting this fraudulent account six months later. This is a violation of the FCRA, and a violation of all of my consumer rights. This needs to be deleted immediately and removed from my credit report permanently
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
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: Bought an online course for {$3600.00} on XX/XX/XXXX, XXXX hours later I asked the merchant for a refund because the course was not what was promised prior to the sale. The course was completely different and incomplete. - I never signed a refund policy. - The merchant refused a refund on multiple occasions. - I filed a dispute with Capital One XX/XX/XXXX - Merchants faked documents, communication, and contracts the sent all this to the Capital dispute team. - Capital One asked for a response for me, and I provided what they asked : 1. My attempts to resolve an issue with the seller 2. Proof that I never signed the contract, 3. Proof communication was faked 4. Proof that I was never made aware of the refund policy before or after the sale. 5. Proof that the merchant canceled my purchase and revoked access to the product without giving me a refund. Capital one refused to protect me from fraud and ignored all the evidence that submitted
Company Response:
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: An individual scammed me into giving him {$75000.00} and a credit card for which he was going to open me a restaurant. I did everything he asked me to do financially in the phony contract and without my permission he use the card to make over {$50000.00} and purchases that had absolutely nothing to do with opening a restaurant for me. He even went as far as becoming an authorized user on the card and he made minimum payments for a few months and by the time I found out what he was doing it was too late. I immediately called the company because responses from the culprit were unsatisfactory, and he ultimately cut off communication with me. Ive gone as far as to give Capital One his name and I offered to give them his phone number. The only response Ive gotten from them even after reporting this to my credit bureaus is that Im responsible. I pay all of my bills and I take pride in my credit but this is one that I can not pay and I will not pay. This wcam has cost me and my family over {$120000.00} and its going to ruin my credit that Ive worked a lifetime to establishplease help. XXXX XXXX Note : I put my address as the billing address just to complete the form and not leave it empty but I never received a bill from them and Im assuming that my address was shoes. Because I was not using the card and did not know the card was being used in his fashion, I never paid any attention to their email correspondences until it was too late.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to formally lodge a complaint regarding an alarming and unjust situation involving my account with Capital One Bank. My name is XXXX XXXX, and I have been a customer with Capital One Bank. Due to the fact that I have to purchase a house, I made financial arrangements, including borrowing money from friends, to secure the necessary funds to close on the house. Subsequently, I deposited a sum of {$220000.00} into my Capital One Bank account, aiming to purchase the property. To my immense dismay, and without any justifiable explanation, my account was abruptly closed by Capital One Bank. What is even more troubling is the fact that my funds, totaling {$220000.00}, have been withheld by the bank. This action was taken without providing me with any concrete reasons or a transparent rationale. I have made numerous attempts to resolve this issue by contacting the customer service representatives through various channels. However, despite my persistent efforts, I have been met with vague responses, including claims that my account is " under investigation. '' It has been XXXX months since Capital One Bank XXXX XXXX of my funds, and there has been no sign of progress or resolution. This situation has caused me significant financial distress and emotional turmoil. Please help me. I hired a lawyer to help on this situation, please direct all communication to XXXX XXXX XXXX XXXX XXXX, XXXX, email address : XXXX and her phone number is XXXX.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
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: Capital One continues to bill me charges and fees from a bogus account. This company handles disputes in favor of unauthorized unethical charge practices. I have been a Capital One card-holding customer in good standing, for more than a decade. My most recent experiences with my platinum card charges and consequent outreach to customer service proves that Capital One is a company that 1. handles disputes in favor of entities that place unauthorized charges on customers ' cards and or when the products and charges are disputed. 2. Charges may be taken off per fraud department. 3. However, the same charges are reversed, and placed back on customers ' card anywhere from 60 - 120 days. 4. Then, when the customer calls in, the entire length of time, from date of charge and dispute to date of reversal charges, means time has run out for customer to follow through and receive credit. This recently occurred on my account with Capital One. 1.According to representative, it is protocol to send a replacement card whenever a customer disputes a recurring charge. Therefore, upon my request to stop recurring charges, the rep explained he would stop access to the credit card and immediately issue a replacement card. I did not request this action, but was informed that this is protocol per Capital One 's response to recurring unauthorized charges. 2.Oversight : cancelled original, but issuance of replacement card did not happen ; Major oversight. 3.three weeks later, two calls made : informing customer service I had not received replacement card, ( XX/XX/2023 ). I made more calls XXXX XXXX. 4. Shockingly, I was lied to : told the card had been mailed out. Then, left on hold as rep checked mail-out date, " but could not locate a mail-out date, '' revealing an oversight. 5. Due to good credit standing and excellent pay history with Capital One, I was promised replacement card again ; that card never came either. I called back! 6. the representative was either not concerned with providing accurate information, or else deceptive, because she stated that a second replacement card was mailed and activated. I questioned activation information i.e. date and phone number from whence activation call was made. Finally : discovered 'second replacement card ' " not activated nor used either. So, where are those 2 replacement cards? 7. Meanwhile, disputed charges were added back further proving Capital One 's history of removing unauthorized charges and added them back later. This was the second time in a 10-year period for me personally. 8. I had no useable card at that point ( XX/XX/2023 ), and repeatedly lied to about the replacement. 9. Capital One customer service reps are ill-prepared to handle disputes but skilled at refusing customers to speak to a supervisor. 10. I repeatedly asked to have issue escalated, to no avail 11. There were no further transactions yet from XXXX to XX/XX/, a total of {$240.00} was erroneously added to my balance reflecting charges, fees, and reversed credits of which I made six calls to rectify and have removed so that I might pay my balance in full per usual for me. XXXX12. I Paid charges owed in full ; no access to a card. 13. Yet, Capital One incessantly apply bogus Charges, fees, and reversed credits from unauthorized charges onto a card that was never in my possession. 14. I have relentlessly followed up with Letters, Calls and even tried to e-mail, but get error messages : " email address not monitored. ''
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A