Date Received: 2023-08-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/XXXX, Capital One gave me an introductory 18-mo. 0 % APR rate on its credit card. XXXX XXXX : I knew the end of the promotional period was coming up, but the end date was not on my statement. Meanwhile, I made all minimum payments on time. First call, XX/XX/XXXX, XXXX XXXX : I called Capital One re. the end date of the 0 % APR. I was told that the introductory APR had actually ended on XX/XX/XXXX. Second call, XX/XX/XXXX, XXXX XXXX, I contacted Capital One to ask them the date by which I needed to pay off the entire card balance, so as to not incur -- or at least minimize -- any interest. The agent told me that as long as I paid the minimum payment on time every month, that I would incur no interest. I knew that I now had an APR, and that this could not be true. I tried to tell this agent that I no longer had a 0 % APR -- but that now I had an ~ 25 % APR. My efforts for clarification made no difference : This agent kept repeating this error, as if reading a script ( e.g., that making only the min. payment was ok ). He did not seem to have my APR info on hand. I gave up trying to communicate with this agent, & ended the call politely. I called again, hoping to get someone knowledgeable. 3rd call, XX/XX/XXXX, XXXX XXXX : I called again. The 3rd agent sounded more knowledgeable than her predecessor. This agent confirmed that my 0 % APR had ended on XX/XX/XXXX. But that I should not worry about interest, because my billing cycle had not yet ended. The agent told me that if I paid off the entire balance by the end of the billing cycle ( XX/XX/XXXX ), that I would incur no interest whatsoever. I went over this piece of information several times, repeating this info back to the agent, to ensure I understood correctly. I also told this agent about my prior call with her less-experienced colleague. ( E.g., the agent who had erroneously told me that making the min. payment would incur {$0.00} interest. ) I stated that such an error could potentially cause great problems for customers, & that Capital One should be more careful re. its training of new employees. This agent agreed, thanked me for alerting her, & said she would make a note of the erroneous prior info. XX/XX/XXXX : I paid off my full balance ( {$7900.00} ). I thought everything was ok. XX/XX/XXXX : My new statement showed an interest charge of {$150.00}. XX/XX/XXXX : I called re. this charge. A different agent told me that the information I had had, was incorrect : That I now owed interest going back to XX/XX/XXXX -- and that of course new interest was accruing every day. I explained that I had Capital One had itself given me incorrect information. And that I had repeatedly gone over this information with the agent at the time. And that Capital One would have a recording of these conversations. In light of Capital One 's own error, I requested that Capital One waive this interest ( the first few of any kind they had charged ). This agent said there was nothing she could do to waive the interest. She said that she was sorry for the " miscommunication '' -- but that I now owed the interest. I acted in good faith. Capital One should : 1 ) include the end dates of promotional APR 's on its statements 2 ) Train its employees properly. 3 ) Take responsibility for giving erroneous information -- especially on twXXXX separate occasions.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name. Capital One, ( Account number XXXX Account name XXXX XXXX Account number : # XXXX, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the f 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. their Also not licensed To Collect Debt in the state of Iowa They are Required by the law to be licensed to collect Debt in the state of Iowa. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Company Response:
State: IA
Zip: 52405
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I got a call from Capital One Credit card company saying that there was a application put it under my name on XX/XX/2023 and that someone was taking my identity. The card was a Cabelas Capital One credit card that was is Virgina. I told them that was not me and went through the steps with them. I also filed for a dispute with XXXX as well for fraudulent. So far it was not accepted but is now showing as a hard inquiry on my credit report. I did not try to open any credit cards. I do not live in Virgina and do not go to Cabelas.
Company Response:
State: KS
Zip: 67114
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reached out to this creditor. This debt was a result of identity theft. I have requested documents to verify who opened the account and have not received anything. I have also requested removal of this debt, and the creditor did not respond.
Company Response:
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is misInformation on my credit report about this account. I've never obatian this account before
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Capital One Auto Finance is obligated by FCRA to report accurate accounting.Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items and refund amount paid Capital One Auto Finance has 15 days to provide me with refund, I will be filing form 211 treasury omb form to audit consumers account.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX CAPITAL ONE CREDIT CARD has declined me XXXX other times same reason as listed below. Hi, thank you for your interest in the Walmart credit card. We reviewed your information and, unfortunately, we can't pre-approve you for a Walmart credit card at this time. Here are some of the reasons why we couldn't match you with this card offer : Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement Creditor : Capital One, N.A. XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX CAPITAL ONE Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status No Info Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Derogatory Type Credit Card Responsibility Individual Remarks XXXX XXXX XXXX Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is the second time that I've gotten in contact with Capital One in order to correct the issue the account was paid in full in XXXX the account is still reflecting showing a balance they are reporting the account to the credit bureau 's as pass due which is affecting the score. Completely negligent on their part
Company Response:
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: While reviewing my XXXX card account online on XX/XX/, a promotion popped up promising a {$10.00} reward for enrolling in XXXX XXXX. I enrolled that day. The promotion specified that the reward would post within 30 days of enrolling. I am attaching the promotion as well as the screenshots evidencing my enrollment. 34 days have passed, but Capital One still has not posted the reward. I satisfied all the promotion 's requirements, but Capital One has not.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A