Date Received: 2023-07-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: BJ 'S Capitalone credit card is holding and recording my payment until the past due date and charging me interest and penalties. I think this practice is illegal. I called them and they fixed it but tell me this is OK for them to do.I disagree. I think you should look into this matter because others may not be as vigilant as I am.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I Closed my Capital One Account a few months ago, this was a Pre-Paid Credit Card & the only way that I could Close this Account, I had to Pay the Balance off in Full, a few days ago, I received a Credit Report from XXXX & to my surprise. Capital One has submitted a FALSE REPORT, SATING THAT MY ACCOUNT IS 30 DAYS PAST DUE. This is a False STATEMENT & THIS IS CAUSING MY XXXX XXXX to fall tremendously low. I tried to log onto this Account, but I can not contact them via my Log in information,,,
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: CASE # XXXX ACCOUNT # XXXX????? No cards received but three emails they on way ACCOUNT # XXXX & XXXX old account still have cards Enclosed find the newest issue with this company once again sent in email that is incorrect information. As payments made XX/XX/XXXX XXXX XXXX ( recurring ) XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX total {$520.00} as of XX/XX/XXXX. All made thru our online banking as we have done for years. Now they want to charge us a late fee when they cant even decide on account, info or where missing cards they sent out are.Mr. XXXX XXXX XXXX called on XX/XX/XXXX at XXXX spoke to several people that said he had good credit, good customer. However, they would have to limit credit given? They would get with supervisor and let him know if account was to be re-established. However, to date nothing no other contact except this email that is in correct on payments made. So, them saying we not responsive to communication is incorrect and misleading. We have called, written over twenty letters and still they cant correct this account. Now not even applying payments correctly on account that we have never been late on. This all is from an email that was reported to fraud department. We lost our club points ( that are same as money they took that and closed our good standing well established account over a fraud report ) So what is the fraud department for and why penalize use for reporting it. Now we are wanting the entire account reviewed since they are obviously hiding something and not correcting our payments. We have asked for the payoff amount and this as well as gone unanswered. Issue we need fixed immediately. 1. find missing cards issues three times in email sent 2. correction to not responsive to communication since we called and mailed number letters 3. correction to email dated XX/XX/XXXX 4. restore account to original and club points restored 5. correct to entire account as well as payoff as of XX/XX/XXXX that fraud department caused issue The above are issue we want corrected immediately as well as apology for being treated so poorly.
Company Response:
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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 had not been used my credit card and had a credit balance in late XXXX. I asked for a credit balance refund and check was issued on XX/XX/29 for {$120.00}. Check # XXXX. I never received the check and called many times and was told check would be reissued or balance would be adjusted to reflect the {$120.00} credit adjustment, but nothing has happened.
Company Response:
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Kohl 's Capone {$630.00} XX/XX/2016 7 years and 3 months. They also continue to report to all three credit bureaus even though it's past 7 years old! I've repeatedly written letters to credit bureaus. This is a charge off
Company Response:
State: WA
Zip: 98021
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear Sir/Madam, I am writing to you in regards to my Capital One Credit Card accounts XXXX I was extremely disappointed when on XX/XX/2023 my Capital One Spark Business Credit Card with number XXXX was suddenly canceled without any notice. In addition, my Capital One Savor Card with number XXXX was also closed on the same day. When I called in, I was informed that it was closed due to usage inconsistent with expectations. They did not specify whether it was the Spark Business or the Savor card that was the issue. However, in either case, this does not make sense. Each of these cards have been open for over a year, and both accounts were in good standing and not past due. The Spark Business card has always been used consistent with a business card ( for business purchases, travel etc ). Never once did Capital One inform me of any potential issues with the way I was using the card. There has never been any issues as far as late payments, unusual transactions or fraud issues that could have caused Capital One any legitimate concern or costs. Due to significant usage in the hundreds of thousands of dollars per year, the card should have earned Capital One significant revenue from merchant processing fees as well. As for the Savor Card, I used it almost exclusively for dining. If this was not the intent of the card, Capital One should not advertise it as 4 % cashback on dining and should tell clients they have to use it in other ways too, and not just at restaurants. I understand that you may be receiving less than 4 % in merchant fees on this card, so this possibly could be a cost center for Capital One. However, punishing a client for using the Savor card based on its advertising is extremely unfair. It is clear that the Spark Card and the Savor card were certainly being used in the exact manner expected and/or advertised. I have always given Capital One priority for my business and personal ( Savor ) spending when it comes to credit cards. I put my trust and faith in Capital One. The fact that you just closed not one, but all of my accounts without any real explanation nor reason is very frustrating and disappointing. The closure of these accounts is also very significant for me because it has a high impact on my credit score. Almost all of my available credit limit was with Capital One across the two accounts. Now, with all of them closed, I am now constrained to a very small credit line and my credit usage is now very high. I am unable to continue operating my business effectively. This has in turn caused my credit score to drop without any other adverse factors. In turn, this is now making it impossible for me to obtain new business credit card accounts. Therefore, the account closures have resulted in significant, long-term damage to my credit score as well as tangible monetary damages to my businesses. I respectfully ask that Capital One re-open the accounts, notably the account # XXXX, which is the largest credit line and the most impactful to its business. If there is any particular type of spending or merchants that Capital One feels that are inconsistent with expectations, I would ask that you disclose this clearly, and I can certainly review that and likely avoid it. By reinstating the accounts, Capital One would avoid the liability for the damages currently being sustained by my businesses due to having rejected payments for business expenses, late fees on those rejected payments, and general inability to conduct business. I have already written to the Capital One Executive complaints department ( at XXXX XXXX XXXX XXXX, XXXX, VA ) as well as by email, but did not receive any responses. I also applied for a new card with Capital One, ending XXXX and was approved. However, when the card arrived, I found out that the account was already closed. This makes no sense since I was approved for it, it should not have been closed right after opening. In any case, the phrase of " activity inconsistent with expectations '' is an absolutely incomprehensible term and Capital One must have the obligation per Dodd Frank rules to clearly describe what the issue was with the accounts. In the event that the issue was a mistake, Capital One must have the obligation to remove erroneous information from their files ( per the Fair Credit Reporting Act ) and re-instate the accounts. I expect that Capital One follow both Dodd Frank and FCRA rules in this matter, as not doing so would result in further action from the CFPB. Regards
Company Response:
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I did not open a capital one accout
Company Response:
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A