Date Received: 2023-08-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023 I requested ( via Capital One app ) to transfer funds ( {$350.00} ) from my Capital One checking account to a checking account I have with a Credit Union, which was already setup in my Capital One account for this type of transfers. The funds were taken out from my capital one account that night but they never arrived to my credit union checking account. I contacted Capital One on XX/XX/2023, submitted a claim over the phone, and on XX/XX/2023 they sent me an e-mail stating that the claim was closed because the money was sent as requested. I contacted my credit union on XX/XX/2023, provided them with the information from the Capital One e-mail that I got ( trace number ) and on XX/XX/2023 I received the response from my credit union stating that they didn't see anything coming into my account from Capital One. I called Capital One back on XX/XX/2023, asked to speak with a supervisor, and explained that I was still without my money in any of the accounts in question and he said that he was sending an e-mail to their claims department and they will get back to me. It has been 15 business days and I have not received any new notifications from Capital One and I'm still left without my money.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a notice regarding a credit card application I submitted, but I did not apply for a credit card. This prompted me to try to obtain my credit report, but I was not able to do so because I could not properly answer the security questions pertaining to my accounts. I just recently turned XXXX and should not have any accounts. I am currently living in a shelter and I suspect that my family has been opening accounts in my name throughout my childhood.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I charged {$60.00} in XXXX. I had no balance at that time. I never got a bill or a call regarding due date or amount owed or past due status until I saw a late payment in the credit bureau site. I called Capital One to tell them I never received anything - no mail, no email, etc.They said I opted out of paper statements so it is on me to go to the website to pay. I reminded them that on THEIR site I had already set up " 5 day email notice on payments due ''. They confirmed they had my email address. They confirmed that none had come to me because the emails were getting " bounced back ''. When I asked what would cause that, they said to ask XXXX. I checked with XXXX and there were no blocks or any kind of restriction for anyone. I told Capital One that their email ads come thru, so why not their emails? Again I was told the fault was on my end. This {$60.00} charge was noe {$130.00} - which I paid just to stop the progression. I asked to have late fees credited and the credit bureau told it was a mistake- but they insisted it was my fault for not remembering to go online and check. There are NO other dings on my credit report than theirs, and I am angry about that. Thank you.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: this account, " capital one auto financing '' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan
Company Response:
State: WA
Zip: 98466
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have been making payments to capital one been garshment out of my check every two weeks
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I see an inquiry that I do not recognize from CAPITALONE on XX/XX/2023.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/, IT WAS BROUGHT TO XXXX XXXX XXXX ATTENTION, THAT HIS CAPITAL ONE 360 BANK ACCOUNT WOULD BE RESTRICTED, AND HE WOULD UNABLE TO WITHDRAW CASH FROM ACCOUNT. AS STATED IN A EMAIL AND ONLINE ACCESS TO MY ACCOUNT : YOUR FUNDS ARE CURRENTLY NOT AVAILABLE FOR WITHDRAWAL. PLEASE CONTACT US AT XXXX. ON XX/XX/ HE DEPOSITED XXXX CHECKS : XXXX CHECK FOR {$60.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 XXXX CHECK FOR {$850.00}. WHICH WOULD BE FULLY AVAILABLE MONDAY XX/XX/2023 BOTH CHECKS HAVE CLEARED THE BANK THAT THEY ARE DRAWN UPON. AS OF TO DATE MY ACCOUNT HAS A BALANCE OF {$910.00}. XXXX XXXX XXXX ATTEMPTED TO CONTACT PHONE NUMBER XXXX, AND LEFT A VOICE MESSAGE TO THAT ASSOCIATED NUMBER GIVEN TO HIM ON HIS ACCOUNT INTERNET WEBPAGE. XXXX XXXX LEFT A TOTAL OF XXXX VOICE MESSAGES FROM THE DATES OF XX/XX/2023 TO XX/XX/2023. UNFORTUNATELY NO REPRESENTATIVE OF CAPITAL ONE BANK ACCOUNT HAS RESPONDED TO HIS VOICE MESSAGES. XXXX XXXX ALSO HAS EMAIL SEVERAL EMAIL ACCOUNTS WITH CAPITALONE.COM ADDRESS TO IT. THERE HAS BEEN NO EMAILS ADDRESSING THE SITUATION OF XXXX XXXX RESTRICTED CAPITAL ONE BANK ACCOUNT. SINCE XX/XX/ TOXX/XX/2023. XXXX XXXX XXXX HAS NOT BEEN ABLE TO ACCESS HIS FUNDS THAT ARE CLEARED AND RIGHTFULLY HIS MONEY TO WITHDRAW AT HIS DISPENSE. CAPITAL ONE 360 BANK ACCOUNT HAS BEEN RESTRICTED. UNDER THE NEVADA REVISED STATUTES THE HOLDING OF CASH IN A DEPOSITED ACCOUNT THAT THE CHECK HAS CLEARED. THE FUNDS TO BE AVAILABLE PER DATED THAT IS FULLY DEPOSITED. CAPITAL ONE 360 BANK HAS VIOLATED THAT LAW. BOTH STATE AND FEDERAL LAW. UNDER THE : Comptroller of the Currency XXXX of National Banks Does the bank refrain from delaying funds avaiility beyond a reasonable time period? [ 12 CFR 229.13 ( h ) ] NOTE : An extension of up to five days for local checks and six days for nonlocal checks is considered reasonable. I HAVE TRIED MY BEST TO COMMUNICATE WITH CAPITAL ONE BANK 360 CHECKING ACCOUNT. I HAVE LEFT SEVERAL MESSAGES AND VOICEMAIL AND FAX 'S TO CAPITAL ONE BANK AND GET NO RESPONSE BACK FROM THEM.
Company Response:
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made an online payment of {$360.00} to my Capital One credit card from my Capital One checking account which posted on XX/XX/2021. But, Capital One will not apply the payment to my account until XX/XX/2021, to show an increase in my available credit. I made another online payment of {$100.00} to my Capital One credit card from my Capital One checking account which posted on XX/XX/2021. For this second payment, Capital One did apply the payment to my account to show an increase in my available credit, however, Capital One will NOT show the {$360.00} payment until XX/XX/2021. I have a college son, who is an authorized user on the account and uses the card for expenses. Capital One is causing harm by not making my funds availabe. The money already is deducted from my Capital One checking account but Capital One will not show the payment on my credit card account. Thus, right now, I am missing {$360.00} until XX/XX/2021. It is like I am giving Capital One a loan for {$360.00}. I make multiple payments a month on my card to ensure there is availabe credit for my son to use in college but Capital One regularly holds my payments which is causing great harm.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A