Date Received: 2023-07-28
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I had contacted Capital One for having a major medical injurt that delayed and changed the flight I needed. I sent over all supporting messages and the denied the claim. I sent them the original ticket, the new ticket, the doctors notes from the hospital I had to stay in for 2 days. They don't seem to care.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Capitol one is reporting late payments on my credit report and i asked to be removed the account XXXX XXXX In accordance with the fair credit reporting act Capitol one XXXX XXXX has violated my rigths. 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 as late for our purpose.
Company Response:
State: TX
Zip: 79907
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: sent off three letters in the month of XXXX and still haven't received any response. plus Capital one is reporting late payment on my credit report which 15 usc a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My wallet was stolen, i had all my credit cards in it ID, etc, I reported immediately on XX/XX/XXXX the company hires people that don't speak English and they couldn't understand what i was explain to them and they were keep sending out new credit cards to the scammers, and now it's on my credit report. I have reported on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and still, they don't hold scammers responsible, they are reporting me to the credit bureaus, for all 3 credit cards. If YOU LOOK AT MY HISTORY WITH ALL, MY CARDS, I ALWAYS PAY THEM IN FULL BY THE END OF THE MONTH I don't have the cards nor ever got a new one. What is there to do. CAPITAL ONE, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I purchased a XXXX printer, oven and accessories from a company called XXXX with my credit card for a total of {$3400.00}. I received it XX/XX/2023. On XX/XX/2023 the printer malfunctioned due to a defective electronics thermostat, and electrical issue which occurred 13 days after receiving it, and I was within my 30 days for either a refund or an exchange of the printer. Proclored After Service tech, P-he wanted me to borrow or purchase an electronic testing equipment device called a multimeter, take the printer apart and conduct electrical testing and send them readings. I stated that if I have to do such extensive troubleshooting, I want either a refund or a new unit exchange. The company did not want to honor their refund/exchange policy and would not exchange the printer for a new one. The only option XXXX gave me was to send it in for repair which was unacceptable and again not per their policy as advertised. XXXX would offer no other option except to send it in for repair, and I was not happy with the only option, but had no choice because the printer would be non functioning, and I paid {$2800.00} for the printer. I felt strong armed by the merchant to either take this offer, or settle with a non functioning printer. On XX/XX/XXXX the printer was sent to the facility in XXXX XXXX, Ca. and XXXX had the printer for about a month, because of this delay the printer due to no daily maintenance can become more damaged. I was fearful that this printer could run into more mechanical issues, and when XXXX contacted me on XX/XX/XXXX they stated that it was a print head issue but did not disclose the actual damage of the printer which was electrical. XXXX ' actions during this entire ordeal have proven not to be a trustworthy merchant. I discovered that my credit card company Capital One XXXX XXXX had a policy XXXX Defective/Not As Described chargeback which could be initiated, because it applied to my situation. The quality of the printer as well as their services were not as described. On XX/XX/XXXX I spoke to a representative from Capital One XXXX XXXX XXXX Department and stated in detail what my issue was with the Merchant Procolored and how I tried to receive either a refund, or a new unit exchange. I wanted to initiate XXXX 's policy XXXX XXXX Not as described and was told that I could proceed with initiating the chargeback. I was informed that if Capitol One XXXX needed any additional proof just have it ready to send. XXXX sent me an email on XX/XX/XXXX stating that it was now my fault that the printer had an issue which was false, and that XXXX still had the printer in their custody and they wanted me reverse the chargeback so they could send me the printer. I then received a second email on XX/XX/2023 from XXXX negotiating the charge back and stating that they count not agree to a {$2800.00} refund but would agree to a {$2400.00} refund. I refused because I still lost {$1000.00} for a DTF oven and extra ink I purchased that I can't use or return. Out of retaliation XXXX took parts of our XXXX and email conversations and edited it to create a false narrative, lied and said I damaged the printer, and submitted it to my credit card company Capital One XXXX XXXX. On XX/XX/2023 I received a letter from stating that they reversed the charge back to XXXX of {$2800.00}. In the letter I had until XX/XX/XXXX to submit the following a letter stating the disputed amount signed and dated, Proof of the Paid invoice for the product, a copy of XXXX 's refund policy, and a rebuttal letter in response to the doctored documents that Procolored sent to Capital One as well as any other additional documentation. XXXX sent intentional edited emails cutting out sections of my conversation with their tech and customer support reps that would validate my claim that the XXXX was never discussed with me, and how I several times requested for a refund as well as a new unit exchange within 30 days. I sent additional documentation of the UPS Labels, delivery timeframe emails, XXXX XXXX conversations, along with additional proof proving that I did not damage the printer, as well as point out that the initial problem was an electrical issue. I pointed out the inconsistencies with XXXX 's refund, exchange and their warranty policy. Still with all my time stamped documentation a Capital One reviewer named XXXX XXXX XXXX : XXXX sent me a letter today XX/XX/2023 stating to me that I did not provide what they asked for which is completely false. In this letter Capitol One did not disclose what specifically I did not include, and told me to continue my dispute with the XXXX XXXX. It is very upsetting that my credit card company refuses to help me, especially with all the proof I provide. I called a representative of Capital One XX/XX/XXXX and explained the issue... again. I pointed out the specifics including the email from XX/XX/XXXX that should have been the deciding factor to initiate the chargeback because Procolored agreed to the refund, but the Captial XXXX representative ignored it and stated that I agreed to have it sent in for repair, even after I explained and included the completed unedited emails and XXXX conversations that all Procolored would offer is " send it in for repair. '' The Capital One rep who I spoke to who was mediating with the XXXX and dispute department stated that the XXXX is not allowed to have the merchandise and keep the money. I was then transferred to XXXX of the Capital One managers in the XXXX and Dispute Department XXXX, who stated unfortunately they can not help me an the decision was made. I informed XXXX that XXXX still has the printer, and since winning the chargeback they have not once send me any email or skype message stating that they would send the printer back. XXXX stated that I would have to contact XXXX to get the printer back. I don't understand why a chargeback was granted without Capital Once making sure I had the printer in my custody. I explained to her I now have to fight with a company who I opened a disputed chargeback on who most likely will not be hospitable to help me as well as possibly charging me to get the printer back, and there is still a great possibility that printer will not work, or the merchant may damage further out of retaliation. I asked for the legal team address but XXXX refused to provide. I asked for Capital One 's corporate office phone number, but all she gave me was the address and refused to provide me the corporate number. I am an XXXX XXXX XXXX military veteran, and my only income is my XXXX. I have a very small crafting business to make extra money to sublimate my income. And purchasing this printer was supposed to help elevate my business, and the generated sales would compensate the printer amount, but now has only added financial stress. This company did not deliver what was advertised, and I expect for my credit card company Capital One to help me, not the merchant. XXXX their decision on ALL the evidence, not one sentence from a submitted document that I proved was doctored. I have excellent payment history with Capital One and was very happy with their services until now. I am very disappointment with XXXX Ones ' treatment of me as their customer of XXXX years.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Today I spoke to a representative regarding my loan. The call hung up and I received an email stating my email addresse has been updated. I never consented to this change and believe this would have done great impact with me not receiving an email XXXX XXXX from them
Company Response:
State: CA
Zip: 92703
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid my balance of {$200.00} off for XXXX for my capital one Credit Card. I dont pay the balance of {$200.00} for XXXX until XX/XX/2023. XXXX has added that I didnt pay my credit card or my credit card balance which then made my credit score drop down XXXX points when I pay my credit card off before the due date every single month. I will attach statements as proof.
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I'm filing this complaint against capital one for high interest charges that are affecting me of keeping my balance down and keeping my account current every time a make a payment to capital one to try to pay my balance down and keep my account current I'm hit with high interest charges as well as cash advance charges upon when I first opened this account I was never charged for interest and when I read my agreements for this account I don't remember it seeing anything regarding high interest charges every since of XX/XX/2022 I have been charged interest to my account I have spoken with capital one regarding this matter letting them know I can not pay my bill plus high interest charges been billed to my account every time I have a available credit it is taken away from me due to over high interest charges which is unfair to me since I am fighting to keep up with my balance it is becoming a unfair business practice because instead of me paying my bill down I'm just paying interest charges instead and it's not going toward my intial balance I can not pay both only one I'm asking for a billing adjustment from capital one of these high interest charges and reversal of interest charges on my account I'm now over my balance on my account due to overly high interest charges and now I'm having a issue of being issued out a new card due to being over my balance from interest charges a resolution is needed for me to be able to bring my balance down and keeping my account current
Company Response:
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Consumer makes this submission on XXXX and disagree with CAPITAL ONE AUTO FINANCE LLC for discriminating against the consumer natural living woman for her right to grant credit sometime between XXXX to XXXX. The consumer submitted a consumer credit application for ( personal services ) for a used XXXX XXXX. Capital One Auto Finance sent written communication to the consumers location stating the reason ( s ) for not approving the consumer request were due to : Applicant unable to verify sufficient income which is false. A Capital one auto finance agent by the name of XXXX told me when I talked to him via phone, emails and text communication around that time was due to a credit score being the factor after the fact the agent sent me a link for the application which I filled out under duress because agent made consumer feel as if getting the application filled out quicker would get me into a vehicle but, that wasnt the case. XXXX the agent also considered the consumer use a co-signer in which I disagreed too. Then XXXX later explained to me that credit one auto finance was willing to offer me a consideration if I agreed to put down {$9300.00} as a down payment for the used car. Id like to inform credit one auto finance company that they are violating my rights as well as breaking consumer laws. According to XXXX esq No advertisement to aid promote, or assist directly or indirectly any extension of consumer credit XXXX state that a specified down payment is required in connection with Any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. The consumer believes Capital one auto finance company are being unfair and misleading as the consumer shall not be deprived of her rights or privileges. As a consumer which is defined in the Truth in lending act ( consumer ) natural living person. Consumer was not looking for a loan consumer was looking to purchase a vehicle via consumer credit transaction NOT a loan! And if the consumer were clearly and conspicuously informed from the beginning the consumer would had made a better informed decision since the consumer was not informed the consumer has no gain from the transaction and its causing the consumer a great deal of XXXX, discouragement, and XXXX.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For 2 years My brothers XXXX checks have been deposited in my account the same way via Mobile App Not bounced or Anything He is currently incarcerated so I am unable to take him into a bank or have the bank call him Explained this multiple times my account has been frozen since XXXX XXXX XXXX did not flag the transaction as fraudulent only the bank
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A