Date Received: 2023-08-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have been a Loyal Credit Card holder with Kohl 's since XXXX with an Excellent payment history until XX/XX/XXXX. I had received a call from a Kohl 's Customer Service Rep about my monthly payment being 30 days passed due. I was unaware of the payment because I do not use the card often. I did pay the full balance, {$50.00}, which brought the account to a XXXX balance and had the late fee removed by the Rep which I kindly appreciated. The Rep told me that Kohl 's had reported to all the 3 Major Credit Bureaus, XXXX, XXXX and XXXX about the 30 day late payment, I was unhappy to hear that news. I take pride in maintaining a positive credit history by making my payments on time when they are due and this was why I had an Excellent payment history with all my financial obligation until this unfortunate incident. I did not have Autopay setup at the time of the late payment but it was setup on XX/XX/XXXX to avoid this every happening again. I mailed a letter to Kohl 's Collection Department on XX/XX/XXXX kindly requesting a Goodwill Adjustment of the 30-day late payment that was reported to the 3 Major Credit Bureaus XXXX They responded on XX/XX/XXXX with a letter of denial. They stated that the information that was reported was accurate and updating the information as I had requested will create an inaccurate representation of the status on my account. The integrity of the credit reporting systems relies on the validity of the information furnished. At no time did I state that the information that was reported was inaccurate. I stated in the letter to Kohl 's that it was an oversight on my part taking ownership. The 30 day late payment that has been reported has decreased my credit score to at-least XXXXXXXX XXXX on all XXXX Major Credit Bureaus and to be punished for this one time mistake has been detrimental to my credit status. I am requesting that Kohl 's reconsider there decision as a Goodwill Gesture for a Loyal Credit Card Holder since XXXX will an Excellent payment history.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Tuesday XX/XX/XXXX, I signed up for a one day trial to a website called XXXX and never use it again. Imagine my surprise when I get a notification from my Capital One checking account stating that {$38.00} had been withdrawn. Turns out, I had been auto enrolled into a full subscription that I never needed nor wanted. In an attempt to resolve this, I used the site attached to the payment, XXXX. Just yesterday, I get another spontaneous withdrawal of {$37.00}. To my dismay, this is a trap and sketchy loophole to steathily withdraw money yet again. Now, a pending charge from a website called XXXX with the exact layout as XXXX is currently on my checking account. I have been trying to dispute this for days in hopes of a refund as I need this money for other essential means. The only thing XXXX did to resolve this was void the transaction and full membership to make it appear as if I never paid for their service, while STILL keeping the {$38.00}. This has left me restless and frustrated, because what was now meant to be just a one day trial run of a website has turned into a game of cat and mouse where I'm left no choice but to hound for my money. Also, mysteriously, the {$37.00} charge which was once for solely XXXX is now showing up as XXXX, which is practically the same site.
Company Response:
State: NC
Zip: 283XX
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have an account at Capital 1 Bank and every month there is some scam transaction that goes thru my account. So there was a XXXX account listed as a transfer account but I didn't have a bankcard with account. I tried to see what atm card belong to this account so I made a Mock transfer of XXXX. Figuring if it was some one account that would get their attention, it wasn't suppose to go thru. But Capital1 in their unremarkable quest for their " Scam '' alerts let a {$99.00}. atm transaction through. Making my account overdrawn. The transaction went back to XXXX without finding out what atm account it belong to. So now I'm transferring my account because they have frozen my social security check and made it so I can't pay rent. They did this in retaliation for my leaving. There has been NO explanation on their part. And I want the hold lifted so I can get my funds and put my money were it's safe. This is wrong to deny a Social Security recipient of their money.
Company Response:
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX, our XXXX XXXX XXXX stopped working. It was purchased XX/XX/XXXX. It had a 1-year manufacturers warranty. After trying to get XXXX to extend a warranty ( which they would not ), However, Capital One ( XXXX XXXX XXXXXXXX ) have Extended Warranty Benefits up 2x the length of the OEM warranty and {$10000.00} of coverage. After trying to submit a claim 5x 's their " Benefits Management Department '' ( A third party service provider - AKA " Denial Department '' ) said that our card does not have those benefits, but the website clear states that my card does indeed have those benefits. Trying to escalate only escalates within the " Denial Department '' so it's obvious Capital One nor any of the underwriters intend to honor the benefit they advertise. Surely this can't be legal.
Company Response:
State: FL
Zip: 32080
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Capital One Auto Finance is contacting people that are not on my loan or that are not associated with the loan and whose phone numbers are not associated with the loan. Constantly harrasing trying to get payments.
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am writing to express my deep concern and disappointment regarding my recent experience while attempting to open an account at capital one bank XXXX XXXX XXXX, I tried to open a new checking XXXX account, providing all the required documentation and details and fulfilling the necessary formalities. However, to my surprise, my application was denied without any valid reason or explanation. I tried calling the number provided and I was told that the bank has decided not to have any relationship with you, without giving any reason as to why. I remember facing a similar issue with capital one in XXXX but i ignore it. I firmly believe that this decision was based on discrimination, as I fulfilled all the standard eligibility criteria and provided all the necessary documents. As a responsible and law-abiding citizen, I have never encountered any issues in opening accounts at other financial institutions. Hence, this unfortunate incident has led me to believe that there might have been some form of prejudice or discrimination during the account opening process at your bank. I must emphasize that discrimination based on race, ethnicity, gender, or any other protected characteristic is both unethical and illegal. Such practices go against the principles of equality and fairness that our society upholds. I find it distressing that an institution as reputable as yours would engage in such behavior. I kindly request a thorough investigation into the matter to determine the reasons behind the denial of my account application. Furthermore, I request that appropriate action be taken to rectify this situation, to prevent similar incidents from occurring in the future, and to ensure that your bank complies with all anti-discrimination laws and regulations. I trust that your institution takes this matter seriously and will take immediate steps to address it promptly. I am willing to provide any additional information or documentation that may assist in resolving this matter.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I initiated an online transfer in the amount of $ XXXX from XXXX XXXX , account XXXX XXXX to my Capital One account, account XXXX XXXX . On XX/XX/XXXX I received an email from Capital one saying that the transfer did not go through. I called Capital One XXXX XX/XX/XXXX and spoke with XXXX and was told that I had exceeded the amount I could transfer in a month and the bank would not process the transfer. Then on XX/XX/XXXX Capital One went into my XXXX XXXX account and withdrew the $ XXXX. The trace ID number is XXXX. I received that number from XXXX Bank along with a transaction history report showing that Capital One had withdrawn the money from my account. On XX/XX/XXXX I called Capital One and I was told that I had to file a trace on the money and it might take as long as 45 days until they could research it. On XX/XX/XXXX I called and spoke to XXXX ID # XXXX and was told that Capital One did not have the money. She asked if the funds had been withdrawn from XXXX XXXX and I told her they had. I asked her if it was possible that Capital One had the funds and she said absolutely not. She explained that ACH may have the funds but could not verify if they had the funds. I asked if she could check the trace ID number to see if it was valid and if it came from Capital One or was initiated by them through ACH. She said she could not verify the trace ID number. I asked who else I could speak with at Capital One and she said the only thing I could do was to write a letter to the office of the president, which I did. The funds remained unaccounted for and neither bank could verify where the funds were. Because one possible reason is that the funds were stolen I contacted the FBI 's cyber crimes division and filed an incident report. I then wrote the following letter to the office of the president for Capital One : XX/XX/XXXX Dear XXXX XXXX : I have been trying to resolve my issues by calling your public phone numbers, however I have been told that you do not have any Capital One employee who I can speak with and all calls are outsourced. This has resulted in a lack of information on my account and the need to file complaints both with the Office of the Currency as well as the FBIs cybercrimes unit. I have attached my complaints with both institutions so you can get more specifics. My request is to speak with someone who can answer some of my questions. I would like to have a person and a phone number of a Capital One employee. As a quick summary, I transferred funds into my savings account in two transactions. I then attempted to transfer an additional $ XXXX and Capital One said they could not transfer the funds from my XXXX XXXX account as it was over the monthly limit. Capital One then went into my XXXX account and took the funds ( I think as I have a transaction ID number ). The money never showed up in my Capital One account but was taken from my XXXX account. Both Capital One and XXXX have told me that they do not have the money and each says the other has it. As I could not get an answer to my questions, such as Can you tell me what the transaction ID number says. And because I could not speak with someone from Capital One, I filed the two complaints. I still do not understand how this is not resolved. It appears Capital One took my money, did not credit me with it and will not tell me when it will be returned. Any help on your part would be appreciated. As of XX/XX/XXXX I have had no response from Capital One 's Office of the President. On XX/XX/XXXX I received the funds back into my XXXX XXXX account. Neither bank has offered an explanation as to who had my funds for 15 days. No interest has been paid ( over {$600.00} lost ) and the stress it put on me and my family was substantial. I think that I am owed an explanation as to who had my money and why it was not returned or available to me. This was a substantial amount of money, at least to me, and the lack of communication from both banks is troublesome. I would like to know who is accountable for this situation and I want to help to spare others who are dealing with these banks, the time, stress and aggravation I went through.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had someone still my DL, and SS since then they have fraudulent put things in my name. I provided the name of the person who did it on my FTC report. I also have a police report on the theft of my information. I tried to dispute with credit bureaus but they have not taken action
Company Response:
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
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 was alerted by Capital One that my Venture Credit Card was compromise on XX/XX/XXXX and I was instructed to report the fraudulent charges made to Amway one for {$770.00} and other for {$76.00}. In doing so my card was deactivated and a new one was to be mailed to me. On Monday XX/XX/XXXX, In noticing that the charge for {$76.00} was holding a pending status, I was told not to worry about it, that this charge will also be delete from the account in 3 days and, to call again then if the issue was not resolved by that time. On Wednesday XXXX, The pending charge went from pending to a definite in my account. I was told by the fraud department supervisor that they are still investigating this fraudulent charge and that could take up to 90 days for a resolution on that matter. Capital One one knew that these were fraudulent charges and they alert me about it. I reported the charges and they deactivated my credit card and issue me a new one. In addition, they remove the {$770.00} charge but kept the {$76.00} as pending charge on the account. In my conversations with Capital One I'm getting different answers to this issue. Taking into consideration that both charges are made to the same company and to the same time, only one was removed. Capital One says that they are still investigating the charge but they already posted the {$76.00} as valid to my account.
Company Response:
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In good faith, I paid my minimum payment online. I even called customer service to expedite the payment to ensure payment would process successfully and on time. The customer service woman told me there was nothing they could do, but that my payment would process by midnight. I have other bills pending and the payment she said would process by midnight did not. Upon capital ones efforts of processing this payment it declined due to my other bills conflicting with this one. If it would have processed by midnight like it was supposed to, I would have been able to make a successful payment and not incurred any late fees. I believe capital one does this on purpose in hopes of people defaulting, such as I DID, in hopes of generating late fees. This has happened to me multiple times and it's not right. XXXX XXXX did this and Capital one is no different.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A