Date Received: 2023-07-31
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: Bought a coffee maker advertised for {$20.00} made in XXXX by XXXX with delivery on XX/XX/2023, after paying they changed delivery date three times to XXXX and XXXX and said its coming from XXXX instead of XXXX, then changed sold XXXX instead of XXXX, I asked to cancel it right away, they failed, I said that I am no longer interested on it. Chatted with XXXX XXXX another liar. Tried to reach Capitalone, online they make it impossible to initiate a dispute, and they ask to be called, calls are not answered, when answered they say either to busy or they will return a call which never happens, making impossible to dispute a charge.
Company Response:
State: NY
Zip: 10901
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: Money was not available when promised
Subissue:
Consumer Complaint: I made a purchase through the CapitalOneXXXX shopping portal on XX/XX/2023. This purchase promoted 30 % cash back for the purchase of a XXXX XXXX XXXX XXXX XXXX Upon completing the purchase in the amount of XXXX pre-tax, or XXXX post tax, I was not given credit within the promised 90 days post purchase. I made this purchase and was given a shopping trip number of XXXX XXXX XXXX After multiple attempts to contact CapitalOneXXXX I have received no response back from their support email that is suggested as their only method to contacting their customer service. No phone number is given for this site which is operated by Capital One, N.A.
Company Response:
State: UT
Zip: 84109
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX credit report said I had an 84 % chance of getting the XXXX XXXX 0 % card for 15 months with XXXX XXXX, they did the old bait and switch ( XXXX XXXXXXXX ) declined for that card, but offered a card with XXXX credit limit at 30 % which i did not apply for. THE OLD BAIT AND SWITCH!!! Thank You
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This is a follow up complaint to previous complaint XXXX submitted to the CFPB on XX/XX/XXXX, because today I incurred damages including a fee and service disruption, as well as having to use costly phone data to log in, and time lost due to phone calls to XXXX to find out why, all as a result of Capital One 's fraudulent XXXX online bill payment service. Spectrum did not receive my XX/XX/XXXX payment from XXXX until XX/XX/XXXX, and I had to pay that by debit card on XX/XX/XXXX to avoid a late fee, but XXXX had already taken the funds out of my account for the improperly issued payment. CapitalOne reimbursed me within 10 days for having to pay this bill TWICE due to bill payment failure to issue the payment correctly or on time. But today XX/XX/XXXX, my cable was disconnected because XXXX assessed a {$25.00} fee to be paid for stop payment of the duplicate funds. CapitalOne and/or XXXX have committed false, misleading, or deceptive acts or practices including, but is not limited to, the following acts : ( 1 ) passing off goods or services as those of another ; ( 2 ) causing confusion or misunderstanding as to the source, sponsorship, approval, or certification of goods or services ; ( 3 ) causing confusion or misunderstanding as to affiliation, connection, or association with, or certification by, another ; ( 5 ) representing that goods or services have sponsorship, approval, characteristics, ingredients, uses, benefits, or quantities which they do not have or that a person has a sponsorship, approval, status, affiliation, or connection which the person does not; and ( 7 ) representing that goods or services are of a particular standard, quality, or grade, or that goods are of a particular style or model, if they are of another ;
Company Response:
State: TX
Zip: 776XX
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: Managing an account
Subissue: Banking errors
Consumer Complaint: Today - XX/XX/XXXX - a direct deposit from my wife work ( amount of {$2400.00} ) was deposited and was not credited to my account. the bank institution is capital one 360. I contacted the company to find out why, the only answer given was there may be an error with their system. The only thing they said they could do was file a claim. The terms they quoted once they begun did not match the issue and it seemed like they did not know what to do in this situation. Once I spoke to a manager of the claims department he admitted this was a unique situation and wasn't really sure how to proceed besides filing a claim. This left me feeling very unsecure and now we are looking at financial distress and anxiety due to those funds not being posted as they should have been.
Company Response:
State: AR
Zip: 72143
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 2. 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
Company Response:
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: OnXX/XX/2023 I opened a Capital One account taking advantage of a promotion ( XXXX ). I immediately deposited {$100000.00} into the account. Per the promotion, after 90 days, I was to receive a {$1000.00} bonus. I met all the requirements for the bonus : 1. new account ; 2. deposited funds within 15 days ; 3. used the promo code ; 4. maintained {$100000.00} balance for 90 days. Since the bonus did not show up in my account, I called Capital One today ( XX/XX/XXXX ). I talked with XXXX ( ID # XXXX ). She agreed that I met all requirements. But, stated that the bonus review team needed to review this and the bonus would be applied to my account by XXXX XXXX, which would be 6 months after I opened the account. This is contrary to the agreement when I opened the account which was that I would receive the bonus after 90 days. XXXX indicated that the Capital One webpage provided this time line. But, she agreed that this information was not sent to me because I was not a " targeted customer. '' She made a case file for me and said someone from the bonus review team would get with me within 45 to 60 business days. She said my only other option was to send a letter to Capital One by U.S. mail and someone would respond to that within 30 business days. All of this seems like a delaying tactic and a deceptive business practice.
Company Response:
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XXXX, XXXX and XXXX of XXXX I fell behind on my car payment due to financial instability. since XXXX of XXXX I have been back on track with no late payments, I have sent in several goodwill notices to get this handled with no results and it's causing me great distress that this is happening to me, since technically under U.S. code 1681 ( a ) sharing my transaction history is considered illegal under the consumer protection laws.
Company Response:
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
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: Back in XX/XX/2022 I applied for a balance transfer from XXXX to Capital One. XXXX sent a check with not enough account numbers on it. The check was returned to XXXX from Capital One. During the months of trying to find the check there were 11 cases opened. In XX/XX/2022 I was told that I would not have any additional activity on my Capital One account and that I still owed the {$4600.00}. I agreed with this and paid this on XX/XX/XXXX I paid {$4500.00} from my checking account as a wire payment. It shows receipt on my statement. On XX/XX/XXXX, Capital One recharged me again the {$4600.00} which has already been paid from the XX/XX/XXXX payment. I have called Capital One over 20 times in the last six months to get this fixed. The most latest call was XX/XX/XXXX and I spoke to two different people and the call lasted over one and a half hours. They told me they would look into this and would get back to me in 7-10 days. Now today, I called and they say they have no record of this call and had to start the process all over today with me making the claim. This has continued over and over again the last six months. I would like this charge of {$460000.00} reversed so I can get on with my life. This has gone on too long without resolution. I can't even get the same person to call me back and I have to start all over explaining the situation with every call I make. Many times I call and they disconnect me so I have to call again and start all over explaining the situation. This needs to be resolved please. Thank you. XXXX XXXX XXXX. This complaint is against Capital One Credit Card.
Company Response:
State: IL
Zip: 60103
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 information incorrect
Consumer Complaint: I have note given my consent to give my information to 3rd party. Delete all my information ASAP. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( Pub. L. 106102, title V, 502, XXXX XXXX XXXX, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), XXXX XXXX XXXX, 124 Stat. 2095. )
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A