Date Received: 2023-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Capital One 360 failed to mail a new debit card to Account # XXXX XXXX XXXX XXXX XX/XX/XXXX nor respond to honorable XXXX Complaint Report XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX. Capital Ones legal representation called XXXX XXXX, XX/XX/XXXX at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I request the CFPB order provisional payment over {$50000.00} for their negligence to prevent XXXX XXXX XXXX from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a credit card account with Capital One with promotional offer of 0 % APR back in XX/XX/XXXX. I always made a minimal payment and had never made a late payment to this account as I was enrolled for auto-payment. I wanted to make sure that I didnt get an interest rate charge as I already paid the balance transfer fee 3 % initially. Given that there was ZERO information when the promotional rate would be ended on the credit statement, I called the customer representative and the information provided to me was XX/XX/XXXX. Thus, I marked my calendar to pay the remaining full balance in XX/XX/XXXX. However, as I reviewed the statement on XX/XX/XXXX, it stated I have a total of purchase interest rate charges of {$2200.00} starting XX/XX/XXXX with interest rate of 26.49 %. I called the customer service desk and they stated that the promotional rate was ended in XX/XX/XXXX. This was new information to me as I tried to prevent paying interest rate on a credit card. There were several failures on Capital One side : 1. Customer Service said the promotional rate ended date should be shown in the statement, which was false as it was never shown in a statement. XXXX. Customer Service said that there was a letter mailed to me last year stating when the promotional rate would be ended, which I never have received. I also signed up for paperless mailing with Capital One ; however, there was no letter was received in my inbox. XXXX. Customer Service told me that my promotional rate would end in XX/XX/XXXX, which was different from the statement I have. I have Zero access to this interest rate would go-up information but trust the information was given by the customer representative. I called Capital One on XX/XX/XXXX. The response I got from them was all information was in the welcome kit came with the credit card back in XX/XX/XXXX. They were NOT responsible for what customer representative said. They would not waive the finance charge and said I was responsible for entire amount. I responded that I would only pay for the principal balance of {$14000.00} and would not pay for the financial charges that was NOT my fault. I also asked the customer service address so I could mail a physical letter to them for official complaint and hoping for a resolution. I closed this credit account with them on the call. I paid the principal balance of {$14000.00} and mailed in the complaint letter on XX/XX/XXXX after I place the 1st phone call to Capital One. On XX/XX/XXXX, they charged me another {$210.00} for finance charge again. Now the account balance total is {$2400.00} solely on finance charges. On XX/XX/XXXX, I called Capital One customer service again about this complaint as I have not yet received or heard anything back from them. Again, they said they would NOT waive the financial charge and they do not expect to take any action responding to me. I asked if they have received my letter and they said they didn't know as that letter didn't show up in the account. I stated again that I believe my account balance should be {$0.00} instead of {$2400.00} balance solely on finance charges. Capital One still responded with no finance charges would be waived while I asked them stop charging this account while we are resolving this issue. I also have bank account with Capital One. If I had known the right date, I would pay off the entire account BEFORE the interest rate went up in XX/XX/XXXX. There were just so many Capital One communication failures resulted this huge finance charges. I am requesting Capital One to waive all financial charges so this credit card account balance will be {$0.00} and there will be no impact to my credit score.
Company Response:
State: WI
Zip: 53704
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Capital One Auto Finance has participated in several predatory lending practices in order to gain more capital from consumers. During the XXXX XXXX I was only allowed a certain amount of COVID payment relief options despite having full documentation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this time one of my payments bounced back on the online portal, where my entire online account was completely disabled. I was signed up for paperless billing and was blocked from accessing my online account to view payments, history, ect. During the pandemic period, I had my car repossessed two times. Despite speaking with capital one and explaining my situation, I was offered little help and my car was taken twice. Each time the car is repossessed capital one adds fees upwards of {$400.00} in addition to late payment fees and the original account balance. During XX/XX/2022, I challenged capital one about my repossession they just did and their unlawful practices. I somehow ended up on the phone with the president of the entire company. Upon stating their inability to help me and failure to allow me to access my online account in any form, my online account access was magically restored. Since that repossession I have purposefully made payments late to see how this notification process has changed. The process has changed completely. Capital one did the bare minimum during COVID for customers that were directly affected by the pandemic and put us in financial binds with repossession and late fees.. Also since my current repossession the office of the president has called me XXXX different times, with XXXX of the times the phone conviently disconnecting. The lady has called me back each time apologizing and stating that she is unable to call me back after it happens even though my phone is on and have service. They were purposely hanging up on me after receiving the bits of info they wanted because I threatened a lawsuit. I have to print out all of my phone records to show communication between the company and myself.
Company Response:
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not my CAPITAL ONE debt. I do not owe this debt
Company Response:
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: These are showing late. I have never been late and have contacted the creditors. I showed them my bank statements, they all said they would be removed but nothing has has been removed or updated. XXXX XXXX XXXX XXXX XXXX - 30 day late XX/XX/XXXX XXXX XXXX XXXX 30 day late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX 30 day late XX/XX/XXXX XXXX XXXX - 30 day XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - 30 day XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - 60 day late XX/XX/XXXX, XX/XX/XXXX XXXX 90 day late XX/XX/XXXX There have been XXXX inquiries on my credit report in the past 120 days. I did not give these creditors permission to run my credit. My credit report also shows XXXX delinquent trades XXXX XXXX installment delinquencies XXXXXXXX XXXX revolving delinquencies XXXX XXXX XXXX
Company Response:
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no idea about this account that was already charged off and I have not supplied proof under the doctrine of Estoppel by silence Engelhardt vs Gravens ( mo ) 281 sw 718,719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists!!!
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to describe a distressing situation that occurred today, XX/XX/2023, at approximately XXXX XXXX EST. I was attempting to deposit {$300.00} into my Capital One checking account ending in XXXX using an ATM located at the bank entrance in XXXX, New Jersey. During the deposit process, my money became stuck in the machine. Two employees of the bank, XXXX ( a XXXX woman, aged between XXXX years ) and XXXX ( a man of XXXX origin ), approached and were made aware of the situation. Despite acknowledging my predicament, they unfortunately stated they were unable to assist me and instructed me to call Capital One 's customer service department for resolution. Acting on their advice, I immediately contacted Capital One 's customer service, explaining the situation in detail. However, to my dismay, the customer service representatives also refused to return my funds, leaving me with a loss of {$300.00} with no immediate solution provided. I am seeking your professional advice and assistance to resolve this matter. I am hoping for a full refund of the lost funds from Capital One bank. I trust that this can be resolved amicably, however, I am prepared to take legal action if necessary. Thank you for your attention to this matter, and I look forward to your guidance in this distressing situation.I have proof of videos and pictures. Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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: My credit card debt was already settled with Capital One bank since XXXX of XXXX. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). In spite of me sending a request for disclosure pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997, and pursuant to section 609 of the Fair Credit Reporting Act, XXXX refuses to remove/delete it from my report.
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Account with Capitol One - fraudulent charge of XXXX - called capitol one they can't do anything as the charge is pending, even though they deducted the amount from my account. It doesn't matter that I may have other legitimate charges coming thru on my account that will not be honored now. I'm supposed to call claims, the recording says the wait time is 10 minutes, it is now 19:11 minutes and adding. It makes no sense at all that they can deduct the amount from my account but can't put in a claim as it is " pending ''. Pending should mean that the amount is not deducted from my account.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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: There were 3 charges on my CapitalOne/Walmart Mastercard that I did not make nor did I authorize anyone to make.The dates of said charges XXXX, XX/XX/XXXX and XX/XX/XXXX, the amounts were exactly the same on each charge, that being {$300.00}, for a total of {$910.00}. I notified XXXX XXXX, within 24hrs, via phone, once i observed these charges. Each time I was advised that they would investigate and advise and it could take up to 90 days to complete the investigation. I was given a reference number of XXXX which refers to the store the charges were made at, which turnes out to be Walmart in XXXX, Oregon. Also, one of the customer service people told me it also refers to what was purchased, which he said were tennis rackets from XXXX XXXX, Qatari phone # XXXX. Eventually, I filed a police report with XXXX XXXX XXXX XXXX, Deputy XXXX XXXX XXXX XXXX. He advised that due to this being international ( XXXX ) they were unable to investigate and suggested I contact CFPB, this occurred on XX/XX/XXXX. On XX/XX/XXXX, at XXXX, I again contacted CapitalOne fraud department asking what the outcome of the investigation was. I spoke with XXXX who transferred me to XXXX at XXXX. She stated she would open a new case, I was to destroy my current M/C and a new one would be sent and a credit would be issued for the {$910.00}. Case # XXXX was assigned by XXXX. Within an hour I received 3 emails from CapitalOne, ( all three are attached to this complaint, in addition a second page of each email included the XXXX unauthorized charges and merchant name ) On XX/XX/XXXX at XXXX I once again contacted CapitalOne asking why the fraudulent charges had not yet been credited to my account and spoke with XXXX XXXX who would transfer me to XXXX XXXX XXXX, she then transferred me to XXXX XXXX XXXX XXXX who transferred me to XXXX. I was advised by XXXX that the charges were valid and no credit would be issued! I asked why, then, had I also received an email stating the charges were fraudulent and I would be issued the credit. She couldnt answer that question and put me on hold. I waited 45 minutes on the phone then disconnected. Please help me as Im XXXX yrs old and live on a fixed income, this event has me devastated and fearful I will be cheated out of {$900.00} I dont have. Thank you
Company Response:
State: OR
Zip: 97224
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A