Date Received: 2023-07-24
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: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The month of XX/XX/2022 I had 2 Unauthorized ACH withdrawals from my checking account. I called my bank both times and got it resolved right away. However, The second time I told my bank ( CAPITAL ONE ) to close my account because I felt it was compromised. They agreed and restricted the account. I RESTRICTED the account on XX/XX/XXXX and got a new debit card and 2 new checking accounts. I activated my debit card at the time on XX/XX/2022 and linked it to one of my New checking account on XX/XX/2022 and Switched it over to my other NEW Checking account XX/XX/2022. On XX/XX/2022 I was charged from XXXX {$290.00} Via debit card Purchase in the RESTRICTED account and the transaction NEVER went Pending it Posted Immediately. Then On XX/XX/2022 I was charged {$290.00} again in my new checking account. XXXX says it was for my final transaction with them on XX/XX/2022.
Company Response:
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Dear Claim Department, Im writing to you regarding my claims and to relay to you in my own words what transpired. I was recruited by a person named XXXX XXXX on XXXX. She claimed to be living in XXXX, WA which is about 10 mn from where I live. She also claimed to have worked for XXXX since XXXX of 2023 and claimed to very much like working for them. I have attached the screenshots of my conversation with her on XXXX XXXX Please see below : XXXX I then received a message from a person named XXXX XXXX who claimed to be the hiring manager of XXXX company. Ive included the screen shots of my conversation with her below. XXXX XXXX As you can see from our convo I didnt want to give personal information over text so I went to what I thought was their internal forum. I believed this was all legit! On XX/XX/XXXX I finally sat down for the interview and contacted her on what I now know is something called XXXX '. At the time I thought it was part of XXXX and that XXXX was the hiring manager. She proceeded to explain to me what the position was all about, duties and responsibilities as well as benefits. She then conducted about a 30 minute interview with me where she asked me all the normal questions you would expect to have during an interview. She then took about 5 minutes to go discuss my answers with her team and then came back and said congratulations they would like to offer me the position. She then told me she would be sending me around {$4000.00} for the equipment I would need for my on line work from home position. It was my understanding that this money was for a computer and printer and software. I thought it was a little strange for them to send me so much money but thought it was the way with these new totally on line companies that had employees all over the world. She also told me that once she processed me I would meet with a local representative here in XXXX and I would sign my W2 and have a chance to ask more questions in person. I honestly believed it was all legit! I have enclosed all of our conversation on screen shots as well and they are laid out below. ( I apologize but the conversation below is in reverse order, I could not figure out how to flip it. Sorry! ) XXXX On XX/XX/XXXX I made the first deposits ( for what I believed was for my computer and software ) and they went through to my bank into a new account that I had set up just for this because I was a little nervous about scams and didnt want it to affect my actual personal accounts. On XX/XX/XXXX, around XXXX XXXX after they had asked me to send the first {$500.00} to XXXX XXXX who they called a vendor and he was supposed to then buy my equipment and install the software. Before I acted on this I called my bank BEFORE I did anything and talked to an agent in the fraud department and told him that I had made two large deposits and that I needed to make a payment on them and wanted to check and make sure the money was actually in the bank. He assured me it was. I even asked him more than once to make sure he understood what I was asking and again he assured me that the money was there. If at any time he would have said something like mam the funds for this are in but they are actually not in until the check clears I would have never ever made a payment on that money! I was nervous because it was a lot of money to me and I didnt want to be responsible for it if something happened. Little did I know what I know now and I am physically sick about being involved in something like this! After I was assured the money was there I then made 3 XXXX payments to XXXX XXXX. One of them didnt go through so they told me to use a different vendor and so I did. In total I made 3 payments of {$500.00}, {$500.00} and {$500.00}. On XX/XX/XXXX, my accounts were frozen and I called into my bank immediately. They transferred me to someone in Fraud and I had a very upsetting conversation with an agent who was very curt and abrasive and accusatory with me. I was practically in tears at the end when he finally decided he would file my claims. After going over everything in my head for a couple of hours I called the bank back to see if I could give them some more information on what had happened to me. I was told by a much more compassionate agent that I should put it all in an email. So that is why I am writing to you today. I have been an outstanding customer with cap one for over 20 years and over that time have struggled to regain my independence financially from a divorce and also have strived to have a solid and high credit score which I now have. I have always been safe and I truly believed this was a real online company. I also believed that I had done my due diligence by looking up the company on the internet and reading several positive reviews about their work from home program. I also looked them up in the scam section of the XXXX XXXX XXXX and they were not listed. I searched a lot of sites and couldnt find anywhere where this company was fraudulent or a scam. I am truly sorry for being so stupid and falling for this scam. I did not mean to do anything illegal and was just trying to do what I was told for this great work from home job that I thought could help me put my daughter through college. I am devastated in the outcome and so incredibly ashamed and embarrassed. I want to do all I can to help you expose this so that other people just like me and especially women will not fall victim to this again. I ask for your compassion on granting my claims and for you to consider my long time good standing with your bank. Again I am truly sorry and it was never my intention at any point to be involved in a scam of any sort. Please, if there are any further questions or ways I can help bring this horrible group to justice please let me know. Sincerely, XXXX XXXX XXXX
Company Response:
State: WA
Zip: 98664
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 inwas charged XXXX USD a d then XXXX USD by some transaction by name of '' pnvt mobilny barman pl ''. I have no idea of what the merchant was or is and never made a purchase or get any receipts from that place. I contacted capital one to inform of this situation and unauthorized transaction. Few days after I was notified the claim has been denied because a " terminal with a chip and chip card was used ''. Of course a card was used but not by me or definitely not authorized for that kind of amount of money. Either card was stolen, or incorrect amount was charged or straight up scam was performed thus my claim of unauthorized transaction. Additionally it was a debit card and a pin number should have been used yet in this transaction it was not. I should be protected using my atm card yet I would have been safer using cash! Capital one grossly mismanaged my claim and put in jeopardy my finances. I'm truly disappointed as I've had the account for many years, had opened multiple accounts including car loans, savings etc. Yet at the second I lose money because of unauthorized transaction, Capital One instantly distances itself from any responsibilities.
Company Response:
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I hereby dispute the non-reporting of my Capital One individual credit card account on my XXXX credit report. It has come to my attention that my individual Capital One XXXX account ending in XXXX is not being reported to XXXX, which is having a significant negative impact on my credit score and financial profile. I kindly request that the matter be thoroughly investigated, and the necessary actions be taken to rectify this discrepancy in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA, creditors are obligated to report accurate and complete credit information to credit reporting agencies such as XXXX. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) specifically states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. It is evident that Capital One has not complied with its duty to provide accurate information to XXXX concerning my credit card account. This has resulted in the omission of crucial credit history data from my XXXX credit report, leading to an unfair and unjust assessment of my creditworthiness. I have verified with Capital One that my individual credit card account is active and in good standing. All payments have been made on time, and the account reflects a positive payment history. Therefore, the non-reporting of this account is a clear violation of the FCRA and has unnecessarily affected my credit standing. I urge XXXX to conduct a thorough investigation into the non-reporting of my Capital One credit card account and promptly take corrective measures to update my credit report with accurate and complete information. It is essential that you comply with the FCRA guidelines and ensure that all pertinent account details are appropriately reflected in my credit report. Please keep me informed of the progress of the investigation and provide written confirmation once the matter has been resolved. Thank you for your prompt attention to this matter, and I anticipate a favorable resolution.
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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: A hotel reservation was booked on XX/XX/XXXX for the night of XX/XX/XXXX with a 24 hour cancelation policy. I called to cancel on XX/XX/XXXX, within the cancelation policy but I was charged for this room for {$87.00} anyways. When I disputed the charge, XXXX would not refund me and Capitalone said they would not provide me a refund on their end either despite providing them the information they requested. Ive been disputing this charge for weeks and they told me they're closing it and I had to pay it.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For the last 3 months I have been charged a Past Due Fee and for months before. I would be late by an hour or hours or even 1 day. Capital One can not waive multiple fees even though my account is in good standing. They have waived 1 month out of the x theyve charged.
Company Response:
State: VA
Zip: 20121
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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: We went to purchase XXXX from a store ( XXXX XXXX is the name on the receipt, but the store is called XXXX XXXX XXXX XXXX ) in XXXX, XXXX. On XX/XX/XXXX. These XXXX were supposed to be gifts for our return trip the next day. Two XXXX were purchased and the prices on the shelves were around XXXX XXXXXXXX {$50.00} USD each. When checking out the teller took our card to charge and then handed back the receipt and card. Upon return to the hotel, we noticed that the amount on the receipt was incorrect. The receipt doesnt even list the items out by price, its just a single charge for a custom amount entered by the teller. It appears that the items werent even scanned. The amount on the receipt that we have is XXXX Pesos, which was {$820.00} in USD after conversion. We headed back to the store to try to fix it, but they were already closed. We had to fly out the next morning but stopped on the way to the airport. The store was still closed so we could not fix it before leaving. Upon returning to the US, we tried to look up the contact information of the store and found out that the place is a tourist scam. All reviews for the site said that the store overcharged by 8-10x the price when checking out and then refuses to refund the amounts or the purchases. There was also no contact information listed for the store, so we could not reach them if we wanted to. They had no website, email or phone number listed. I attempted to then resolve this with the credit card company ( Capital One ) to adjust the payment made, but they refuse as we don't have an itemized receipt. Only the receipt given to us by the scamming store. Not getting an itemized receipt is part of the scam. Capital One could not provide us with any information. We provided photos of the XXXX purchases as well as other listings showing the proper prices of the XXXX.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a CapitalOne Card branded as a Savor Card with {$0.00} balance as of XX/XX/XXXX. In XXXX I accessed my account online and saw a promotion to upgrade to a QuickSilver Card which advertised as a no membership fee card. The promotion stated my CC number would remain the same but a new card branded as Quicksilver would be mailed to my home. I proceeded with the upgrade. I recieved and activated the Capital One QuickSilver Card. I accessed my account online and see my account has a {$95.00} membership fee balance. I contacted Captial Customer Service and inquired about removing the membership fee as my card had been upgraded the QuickSilver with no membership fee. I was told that the {$95.00} membership fee could not be waived because it was billed onto the CC ending XXXX ( Savor brand ) and that under terms of the upgrade any charges made under card # ending in XXXX ( the Savor brand ) can not be reversed. This makes no sense, I am eligible for a no membership fee card. I spoke to two customer service personnel, first a rep who connected with me via phone call, who confirmed the the QuickSilver card is a no member fee, she put me on hold a couple of times and each time came back to let me know the system would not allow her to reverse or remove the fee. I asked to be connected to a supervisor. The supervisor offered no help, she advised that because the fee was put onto the billing before the QuickSilver branded card was received or activated, the fee could not be reversed, thusly the billed fee is due. She confirmed in XXXX XXXX, there will be no fee put onto the activated QuickSilver card. She kept telling these terms were available to be read when sigining/acceoting the upgrade to no fee QuickSilver, additionally the terms could also be included and reviewed from the materials sent with the Quick Silver branded card that was mailed to me. It makes no sense that I am paying {$95.00} fee for the Savor Branded Captial One Card when my upgraded card a QuickSilver branded card. I knew my card balance on the Savor Card was {$0.00}. I saw promotion to upgrade to Quick Silver at no membership fee and accepted the offer, Capital One sent email advising the QuickSilver branded card was mailed to my house. Very surpirsed to see my account had a {$95.00} balance. This is a rip-off. I requested cancellation of my account. The supervisor then explained she has to read disclosure terms, which includes terms that any existing charges posted to the account, the cardholder is responsible and obligated to pay in full. If I did not accept the disclosure, then the account could not be cancelled and cardholder will be still be obligated to pay any interest, late fees. The upgrade offer was made on the landing page, and the simple upgrade request clearly states the QuickSilver card is a no membership fee product. It makes no sense to be charged for a membership fee on a Savor branded card, as that card is not the card I agreed to renew, I signed up for the no fee QuickSilver Card. I went ahead and accepted the disclosure terms to get my account cancelled, but accourding to the supervisor I must pay the {$95.00} membership fee for the Savor brand card. By the way I had an autopay ACH to pay minimum payment : {$25.00} was transmitted to Captial One. Balance owed on the account is {$70.00}. But, I want the {$95.00} fee waived/reversed and {$25.00} return to me. Sincerely XXXX
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am writing to express my concern regarding an insufficient fee charge of {$250.00} that was debited from my Capital One Credit Card account on XX/XX/2023. On XX/XX/2023, I initiated a deposit of {$100.00} into my credit card online account, a few minutes later I deposited {$150.00} from my Capital One Checking account to my online Credit Card account. According to the information provided on the Capital One credit card online portal, deposits are processed on the same day with a cutoff time of XXXX XXXX Upon reviewing my account activity, I noticed the imposition of the aforementioned insufficient fee charge. However, after contacting Capital One 's customer service on XX/XX/2023, I was informed that the deposit of {$250.00} was notcredited to my credit card account until five days after the initial deposit was made, citing that the funds were not available in the account at the time of processing. I find this explanation perplexing, as the online information on the credit card portal specifically states that the deposit is processed on the same day with the mentioned cutoff time. Due to this discrepancy, I kindly request that Capital One thoroughly investigate this matter and reconsider reversing the unjustified {$250.00} insufficient fee charge. As a loyal and responsible customer, I have always maintained my accounts in good standing, ensuring timely payments and adherence to all terms and conditions. Hence, I believe that this fee charge is an oversight or an error in processing that needs immediate resolution. I kindly request that you conduct a comprehensive review of the deposit process and account activity to rectify this matter as soon as possible. Your prompt attention to this issue would be greatly appreciated. If required, I am prepared to provide any additional information or documentation to support my claim. Please find enclosed copies of the deposit transactions made on XX/XX/2023, for your reference. I look forward to a swift resolution to this matter and a favorable response from your end. Should you require any further clarification or information, please feel free to contact me at
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A