Date Received: 2024-01-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I submitted a check payment for my credit card payment which was due. Capital One is now claiming they never recieved the payment and are charging me a late fee of {$39.00}. I am already drowning in debt and cant afford this fee.. I have requested them assist me and they were rude and hung up in my face. Also, I am not getting any notification of when payments are due, I have asked them to notify me of due dates and they still do not.
Company Response:
State: NV
Zip: 895XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have attempted in good faith to settle this account with Capital one however at this point I have witnessed Securities fraud and am aware of a XXXX with my account that capital one is committing. The account number is XXXX XXXX XXXX XXXX. My application for this account was the promissory note. I supplied capital one in good faith a security, and then again via registered mail under Medallion Signature Guarantee, I reserve all rights to this security, and I reserve the all rights to title and interest. According to the XXXX XXXX and the audit that I have in my possession capital one has transferred this note and proceeded to sell on the secondary market without my consent, upon these findings I have reached out to capital one with a letter of instruction on where to send interest payments for this XXXX as well as allowing them to continue to trade and keep 20 % in good faith however have been ignored entirely. This is my final attempt to close this matter with capital one prior to submitting the necessary documents for arbitration and further open a report to the SEC, IRS, and XXXX on securities fraud as well as filing with the proper venue in the XXXX XXXX XXXX as this is a matter in equity. In good faith am giving Capital One this final opportunity to correct this issue prior to doing so across this account as well as any other held with them. It is against federal law in accordance with the Equal Credit opportunity Act to proclaim an adverse action against a consumer. The note was the collateral and the instrument tenders payment. Capital One has taken adverse action against me and has caused damages. I am requesting the adverse action that is being reported on this account be removed from my credit report as well convert this account to open ended and issue a new card. The security instruments tenders payment. Capital one has the burden to demonstrate that it held the note and did not transfer it. Furthermore Capital one broke the contract filing suit although the contract contained an arbitration clause this in itself voided this contract but further more was the wrong jurisdiction. Value was provided to the instruments the capital one sent as well, this was done with a pay to the order of and a medallion Signature guarantee again and sent again on XX/XX/XXXX XXXX under Registered Mail number [ RF XXXX XXXX XXXX XXXX ]. Any holder of the consumer credit contract the debtor can assert their right. I can not be denied credit I gave capital one something of value in this case a security. Ignorance of the law does not excuse misconduct in anyone I have reviewed the Indentured agreement from the SEC filings, I highlighted any areas that may help to clear up the responsibilities Capital One has as a company to its investors and holders and upon request can send a copy, there shouldnt be a need for this however if the parties need a reminder of their duties I can do so. I am confident that this issue can be resolved quickly and efficiently without the need for further escalation, arbitration, or equity court. Please feel free to contact me in writing at XXXX.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Unable to transfer rewards points to partners ( airlines, hotels ) on Capital One website as advertised. Attempts lead to error message and direction to call customer service, which confirms issue has been ongoing for multiple months. No expected resolution date provided. The ability to transfer rewards to specific partners was the main reason I even considered opening this credit card. Error message reads : " Looks like we don't have the necessary contact info to complete a security step. Give us a call and we'll get you back on track '' Checking my profile, there is no information missing. Phone, email, address, etc. are all entered correctly.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I discovered I was hacked when my card was declined trying to make a purchase. I then checked my account and saw the transactions. Although notifications were turned on, Capital one didn't notify by any means of any activity, including suspicious activity. I never got notice about any returned check. They refuse to refund me, and closed my accounts against my requests. I provided all the proof I could including the police report. The person who was using my bank account, which we don't know who it was, was cashing multiple {$700.00} checks into my account which then bounced, leaving me at $ XXXX in my checking account. Capital One refuses to help me and instead took money out of my savings account without my knowledge or permission to pay back the debt I was put in by the hacker. I am being held responsible and am being punished when I am the one who was hacked and I have spoken to about a dozen different representatives, supervisors and such from Capital One and no one has been willing to help me.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account with CapitalOne with the promise of a {$350.00} sign on bonus if I made two deposits of {$250.00} each from a bank unrelated to CapitalOne. I transferred two {$250.00} deposits from my XXXX XXXX account. CapitalOne has changed the terms of the agreement to state that the funds must come from a payroll deduction or from Social Security. I contacted Capital One and there is nothing they are willing to do.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, my name is XXXX XXXX. I recently looked over my credit report because Im trying to purchase a house on my credit report I see some inquiries that are reported that I did not authorize. I also see my name is use a lot in different spelling in different ways. I would just like to get all those things off of my credit a couple things thats on my credit that does not belong to me or that is closed and just need to be off my credit so I could be able to purchase house are, one XXXX and XXXX. Both accounts are closed XXXX XXXX and XXXX both are closed XXXXXXXX XXXX XXXX this account is closed XXXX XXXXl this account was never authorized by myself it was made in XXXX XXXX, XXXX this account is close XXXX XXXX XXXX XXXX this account was not authorized by myself. XXXX XXXX XXXXXXXX also was not authorized by myself. I would like these removed for my credit so I could be able to move forward. Thank you.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ( Utilization REMOVAL CAPITAL ONE ) Request for Removal of Utilization Information from Consumer Report I am writing to dispute the inclusion of utilization information on my consumer report for the accounts listed below. The utilization information reported is in violation of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 U.S.C. 1681a-2 ( a ) ( 1 ). Congress explicitly states that the reporting of transactions or experiences between the consumer and the reporting entity is not to be included in consumer reports. The utilization information reported in connection with the above accounts is considered an experience, falling within the scope of the transactions or experiences that Congress has excluded from consumer reports. As per the FCRA, you are required to update my utilization to 5 % or below within 10 calendar days or delete the utilization information from the accounts mentioned. ( Late payment REMOVAL CAPITAL ONE ) I am writing to dispute certain information regarding late payments on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and removal of these inaccurately reported late payments associated with my account. The late payments in question violate the FCRA, particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. These inaccuracies also constitute a violation of my rights under the FCRA, which explicitly requires that information reported to credit bureaus must be accurate, verifiable, and reported with the consumer 's permission. Moreover, I draw your attention to 603 ( 2 ) of the FCRA, which excludes from the definition of " consumer report '' any report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment is considered a transaction or experience, falling under this exclusion, as defined by 15 U.S.C. 1681a. The late payment information reported in connection with the above accounts is considered an experience, falling within the scope of the transactions or experiences that Congress has excluded from consumer reports. As per the FCRA, you are required to delete the late payments information from the accounts mentioned. Section 604 ( a ) ( 3 ) of the FCRA further stipulates that credit reporting agencies may only furnish consumer reports for legitimate purposes, such as credit transactions, employment purposes, or insurance underwriting. I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by CAPITAL ONE. Additionally, I bring to your attention the specific provisions in 15 U.S. Code 1666b, which mandates that creditors may not treat a payment on a credit card account as late unless reasonable procedures ensure the delivery of each periodic statement, including required information, to the consumer at least 21 days before the payment due date. Your prompt attention to this matter is imperative. In accordance with Section 607 of the FCRA, I demand a thorough investigation into these disputed late payments. I expect written confirmation of the investigation 's completion and details of any actions taken to rectify this matter within 10 calendar days. Failure to respond satisfactorily within the stipulated timeframe will leave me with no option but to take legal action against CAPITAL ONE. I will seek damages of {$1000.00} per violation, including but not limited to defamation of character, negligent noncompliance, civil liability, mental anguish, and the FCRA 15 U.S.C. 1681 for violations under willful noncompliance ( Section 616 Civil Liability for Willful Noncompliance 15 USC 1681n ).
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: AM NOTIFYING THE US ATTORNEY GENERAL ( XXXX XXXX ), TENNESSEE ATTORNEY GENERAL ( XXXX XXXX ), THE US COMPTROLLER ( XXXX XXXX ), AND THE TENNESSEE COMPTROLLER ( XXXX XXXX ). See PREVIOUS complaints that outline VIOLATIONS AGAINST me and see attachments XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 37207
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. Banks are the borrowers as described in 12 USC 1431. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voluntary. This is a private transaction and this an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. Also per FCRA 604 ( 2 ) there never was a clear written disclosure nor authorization from me as the consumer and also as the natural person. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. A inquiry popped up on my consumer report which is a receipt of transaction as proof of reporting my federally protected information.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: When I Filled out my Security Interest as an Investor I was met with resistance from the Computer algorithm. Under the Securities exchange Act of 1934 any consumer contracting for Credits can not be denied their own since the Issuer of the Security ( apllication ) is the Consumer for Personal Family and ( or ) household goods and Services. Know this Security as Issuer, Owner and Beneficiary have Federal Rights as the Consumer I am to be protected. From what I see is a XXXX tactic. XXXX Issuer the Security and Receive no Consideration or Compensation, thats a crime and can be reported to the Securities Exchange Commission for breach of the Securities Act 1934. Plus Civil Penalties under 15 USC 1681 ( n ) plus damages and injuries. 15 USC 1681 : States you are not allowed to share my information except by written consent and you only have 30 days to send me n opt out letter the Privacy act of 1974 states those intentions very clearly.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A