Date Received: 2023-08-04
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: After filing an initial complaint in XX/XX/XXXX regarding Capital One rebilling and scamming me by keeping money refunded from a dispute, they have finally admitted XX/XX/XXXX that they rebilled me. They committed fraud per the Truth and Lending Act by keeping my refund of {$580.00} from a return of a dispute. They initially called it a permanent credit, although no Attorney General, Governor, CFPB or anyone at Capital One could explain what a permanent credit is. Per the Federal Trade Commission, a consumer can request to hear recorded calls to prove a dispute. They refused me listening to the recorded calls which would prove the disputed amount was never released but would have been held until the dispute was over XX/XX/XXXX. They closed my secured card that had a low utilization, always paid in full, before rectifying the disputed amount and rebilled my account. I was advised to file a complaint with your office and have got nowhere for two years but to stay consistent because I know what is due to me. I have filed a complaint under my emails : XXXX : XXXX ( XX/XX/XXXX ), XXXX ( XXXX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) and XXXX : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). Capital One was sending me a refund check since XX/XX/XXXX in the amount of {$26.00} that I never cashed. I have updated my complaint that I have a recording of a Supervisor of Capital One admitting that I was rebilled. Capital One has since updated the check amount to {$71.00} that states for rebilled amount. Capital One sent a letter not apologizing but saying, Good news dated XX/XX/XXXX. The letter is stating that *MY ACCOUNT WAS REBILLED*, *NOW THEYRE REIMBURSING ME*, ETC, things that I already knew! This is illegal under the FTC! Capital One has tried to assassinate my character by saying my account was closed due to checks being returned. The checks were returned because I wanted my refund from the dispute in the amount of {$580.00} to be released. During that time there was NO premeditated money or money issued before anything cleared. Therefore, nothing was spent of the {$580.00} that was never released. Capital One thought that I would forget about it, but I have emails, voice recording, letters, and bank statement, I want justice!
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: It's a Capital One XXXX XXXX I was making a payment for {$300.00} on their app XX/XX/2023, and I changed my mind about the amount so I cancelled it, the app acknowledged the cancellation, so I thought I was fine. Then I went back on and made the minimum payment instead minutes later. My bank can confirm this. Later I went onto my bank account and noticed it had gone through for the {$300.00} payment in addition to the other payment. I called Capital One immediately, they said they had no record of the cancelled transaction. I asked them why I would make a {$300.00} payment and then a minimum payment? They had no answer. They then said in order to refund my money they'd have to send a check but it would take weeks. I do not believe this is a glitch in the app. I believe it's intentional. I believe it's a way to keep the extra money because people can easily make typos on an app. In this instance, that's not the case. There was no typo, I cancelled it. I should have taken a screen shot of the cancellation message. On the app it's called " XXXX '' and I believe this is a way to scam people out of unintended payments because they'll just not escalate the situation to wait weeks for a check to come. My bank is going to refund the money for an unauthorized transaction, but I felt this should be reported as it's definitely a scam by Capital One. This app, I believe was set up to not cancel a transaction as it says it will. It asks to confirm or cancel or something to that effect and I clearly hit the cancel button, it said it was cancelling the payment, but did not. It wouldn't surprise me at all if this has happened to many others the same way. I've included a screenshot of the two transactions without revealing bank information, and redacted my name and numbers of certain information.
Company Response:
State: MN
Zip: 56007
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A hard inquiry was posted to my credit report ( XXXX ) on XX/XX/XXXX by Capital One Bank for a credit card application I did not submit. I notified Capital One of the fraud and requested that the inquiry be removed. They stated they would investigate and advised me to place fraud alerts with credit reporting agencies and a file a report at ftc.gov ( which directed me to your agency )
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I went into Kohl 's to shop and the service person asked if I wanted a discount and signed me up for a credit card in XX/XX/2023. I did not realize I was signing up for a credit card until my parents received a statement at their home in Florida, I live in Michigan. I went in and paid the balance and verified they had my correct address in Michigan. ( I have never lived at my parent 's home in Florida ). They proceeded to send me statements of late fees to my parent 's home in Florida. I called the local Kohl 's and they referred me to the customer service number. After another statement of late fees, today, XX/XX/2023, I contacted Kohl 's customer service and spoke with XXXX ( XXXX # XXXX ) to address the issue again. and she concurred my correct XXXX XXXX, MI address was in the system but would only refund me two of the three late fees, though she also confirmed they continued sending the bill to my parent 's home. I should not be required to pay a fee for their miscommunication.
Company Response:
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
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 hope this email reaches you in good health and spirit. The reason why Im writing is I was burnt by a relaxer on XX/XX/2023. The shop name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the number of the shop is XXXX and number of XXXX cell phone is XXXX she is the one who burnt me. She did not base me ( petroleum jelly ) around my hair line and where she put the relaxer. The relaxer seemed like it got on my neck and if she would have put petroleum jelly I would not of got burnt, I have no ever in my life got burnt by a relaxer until I came to this shop. This was my first time going to the shop and her. I normally go to my beautician I been going to for over 10 years but I moved and XXXX was closer. Now Im just going to travel and go to my regular beautician because these burns was a traumatic experience. I been natural going on 10 years but I do get a relaxer around my edges to smooth it down. On XX/XX/2023 I ask for a relaxer on my edges and a wash with deep conditioner. I sat down in her chair and after she put the relaxer on I notice she didnt put anything to protect me from the relaxer but about time I notice it was too late because she seemed like she was in a rush and she was moving so fast she had several clients there. I notice the burns when I went to the bathroom and look in the mirror because something didnt feel right but I couldnt really see it because its in the back I could only see the side of it but I notice she burnt me and I let her know and she act ask if it wasnt a big deal then she started to blame it on me like you might of scratch, or its your work collar if you wear one or its your chains you have on but this doesnt make sense to me because I dont get burnt ever and the only thing difference is I went to someone new and she didnt not base me. She also was combing the back with a thin tooth comb and she wasnt supposed to do that. I text her when I got home after getting a mirror and looking at the back of my head and told her she burnt me really bad its severe. She said in the text I was being dramatic and extra. She was very rude in her text messages about the whole situation she has an XXXX and I do too she was hearting my text and giving thumbs up like she was being facetious. She had no empathy, very insensitive. Making up excuses and blaming me for burns and she told me I should of ask her to base me. I thought it was standard to do so I didnt know I needed to ask I have not ever asked to get base ( petroleum jelly ) I thought that was an automatic thing when you use a chemical relaxer. It was hard for me to sleep for three nights I was in so much pain. I also had to go to work with burn marks it was very embarrassing and hard for me to turn my neck and it was aggravating pre existing conditions from a car accident. XXXX XXXX and these burns were affecting my XXXX. Now Im afraid its going to leave scars and I normally wear up XXXX styles. I even asked for my money back because I had to buy XXXX and XXXX XXXX for the burns and the pain I was going through it wasnt really about the money its the principle. The burns are on my neck and not really my scalp. Its really bothering me because they are so noticeable. I had to travel to see my beautician that I been going to for over 10 years because after she burnt me I honestly was afraid/scared for her to style my hair or anything. It was also my Birthday and I couldnt even enjoy it because of these burns it wasnt styled and I didnt want no one to see it and I didnt even want to go to work but I had too. Please see the pictures that are attached of the burns. If you have any questions please contact me. I provided a response regarding the dispute for XXXX XXXX XXXX billed on XXXX for {$40.00}. She stated she was going to refund me the {$40.00} and I showed Capital One that in a text message she text me. I also showed them documents explaining how a relaxer should be done. I was burnt by a relaxer because the lady did not base me like put petroleum jelly etc. to protect me from getting burnt. I have not ever in my life got burnt by a relaxer. This was my first time going to her, I normally go some where else. I would like for the CEO office to call me. Thank you. Have a great day.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have two capital one cards that the interst are way to high for national average on loans an the late fee is based on any particular merit just floats as the head XXXX stated to me so the late fee can be more than the minimum payment amount an the fee don't respond to the number if days you late they chage it the first day
Company Response:
State: SC
Zip: 29646
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My boss has written bad checks to me I believe knowing they will not be able to deposit in my account or reversed and has been doing this for a while I tried contacting my bank but it was already to late my account was negative and now my accounts frozen and restricted. in my previous complaint I uploaded photos and documents of proof of me being a good worker and my pay stubs
Company Response:
State: NY
Zip: 11237
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
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 a payment on a credit card account under an open end consumer credit plan late for any purpose.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
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: Sent letters to all three credit Bureaus and XXXX XXXX but no actions nor response up yet, Unverified account and inquiries what do not belong to me are listed below is still reporting on my credit report which is a violation of Federal Law. The 3 Credit Bureaus failed to comply with the Federal Credit Reporting Act. I am sending this complaint to ask for your help to remove/update the concerned account listed below that I found inaccurate and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX CAP ONE NA XXXX XXXX CAP ONE NA XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MO
Zip: 63755
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
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: Capital One is reporting this account as charged off. Capital One can not collect on a discharge debt. Per 12 CFR 1026.11 any consumer account termination that has a credit balance over {$1.00} is due to my the consumer. Per the Privacy Act as a federally protected consumer I have a right to privacy. My financial history with Capital One is not public information and should not be released to XXXX. The ONLY credit bureau recognized by federal law is the Consumer Financial Protection Bureau and they do NOT furnish consumer reports therefore XXXX does not have my written consent to release my non public financial information.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A