Date Received: 2023-07-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Esteemed CFPB team, I hope this message finds you well. First and foremost, I would like to express my gratitude for providing this vital service to consumers like me. I apologize for the delay in reaching out, as it took some time for me to learn about the option to submit this type of request for assistance. I am writing to share my unfortunate experience with a bank, which has left me deeply dissatisfied with their handling of my credit card accounts. To provide some context, I am a US citizen who was born abroad and moved to the XXXX in XXXX for work as a XXXX XXXX. Initially, I had no credit history, and to build it, I opened a secured credit card with the bank. Over time, I was able to open a second credit card with them, and my first secured card was successfully unsecured. Everything had been progressing well, with periodic credit line increases that helped boost my credit score. Recently, in early XXXX, I decided to apply for a travel card from the same bank to benefit from the reward miles and travel points for an upcoming trip abroad. Shortly after obtaining the card, I contacted their service desk to activate some of the reward perks and set up auto-pay. During this interaction, I inquired about the possibility of a credit line increase to further enhance my total available credit and improve my credit score, as I am currently saving up to purchase my first home. With this request, I asked for a credit line of $ XXXX and was promptly approved for $ XXXX. Given that the travel card required a minimum spend of $ XXXX to earn the reward miles, I proceeded to make essential purchases, such as booking my flight and train ticket, to reach this spending threshold. My intention was to adhere to my preconceived plan and make timely payments. However, much to my dismay, not even a month had passed, and all of my cards with the bank were suddenly restricted. Perplexed by this sudden action, I contacted the bank 's support and was directed to their Fraud department. Unfortunately, the representatives were unable to provide me with substantial information, merely stating that there was a mismatch with my reported income. In response, I promptly uploaded bank statements and a letter to the Account Management team, detailing my payment plan, which regrettably seems to have gone unnoticed. To further clarify my financial position, I also uploaded a paystub confirming my reported income. Feeling frustrated with the handling of my case and the lack of satisfactory communication, I decided to raise a formal complaint ticket, which was assigned the number XXXX. However, even after the submission of this complaint, I received no response from the bank. In an effort to address my concerns, I contacted the bank again about a week later, only to discover that they had not examined the documents I previously submitted. They continued to insist that there was an income mismatch, providing no further information or resolution. Consequently, I filed a second complaint ticket, number XXXX. However, despite my numerous calls and documents, all of my accounts were abruptly closed without notice or an opportunity to explore potential solutions. The overall mismanagement of my case has been highly disappointing, leaving me with a sense of unfulfilled expectations and frustration. Moreover, the handling of this situation has led me to believe that my account was flagged and closed without adequate options for recovery due to my foreign name. While I can not confirm their intentions, that is the personal experience their actions have left me with. I kindly request the assistance of the CFPB to review this matter and help address the issues I have faced. Your guidance and support in resolving this situation would be greatly appreciated. I have zipped up and uploaded the documents sent to the bank, including statements, a weekly paystub and the letter to the Account Management team. Thank you for your attention to this matter, and I look forward to your assistance in reaching a satisfactory resolution. Sincerely,
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these companies to pull my credit. Each inquiry is hurting my credit score.
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Spoke to a gentleman regarding payment options he said I couldn't have that option it had to be paid in full. I explained I am a single mother and he told me to get a husband to pay my bills and hung up. I spoke to the manager regarding his staff he stuck up for his staff my phone was on speaker and my daughter heard both conversations. He had the audacity to tell me I should not have my phone on speaker. I told him it wasn't right for neither him or his staff to speak to me in that manner. Threats of suing, increasing the debt, and decreasing my credit score. I told him I want to the pay bill but in a realistic payment amount.
Company Response:
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had requested validation of this debt including a signed agreement between me and this company multiple times and they are in violation of my rights by not providing the requested information.
Company Response:
State: MA
Zip: 02026
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
Company Response:
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have no credit i just turned XXXX. But the system says i may have started an application for a credit card and i didnt for walmart capital one. She said they approved it and with the qrong birthday my birthday is XXXX that said XXXX and it was approved i want it closed. Nothing was used on it but its flagging me now while im tring to start making my credit good i cant now.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is basically the same issue as before. Capital One is claiming they dont have payment when last time they miraculously cashed the check. This time they were sent a check fie {$26000.00} XX/XX/2023 and they STILL have not cashed it. Meanwhile they charge late fees and interest????
Company Response:
State: MO
Zip: 650XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is in excess of XXXX inquiries on my credit report which I did not authorize all in the same time period. I tried to resolve it with a credit bureau XXXX and I was told within XXXX hours that the inquiries were all valid and would stay on my report for 2 years. There are no loans or credit lines in any of these places that have inquiries. It is impossible that i authorized this and it seems to be illegal to tell me within XXXX hours without proper investigation that they are valid. The false inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/23 XXXX XXXX XX/XX/23
Company Response:
State: NY
Zip: 142XX
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: In XXXX of 2023 I made a purchase on XXXX using my Capital One card through a third party - XXXX in the amount of {$270.00}. In XXXX if 2023 I returned multiple items from that order to the store. The return amount totaled {$110.00}. On XX/XX/XXXX I received a partial refund of {$31.00}, then another partial refund on XX/XX/XXXX of {$41.00}. I contacted XXXX customer service through chat and phone calls numerous times During the months of XXXX and XXXX to inquire about the remaining refund amount of {$42.00}. I was repeatedly told that it was processing and the time frame varied from agent to agent. Some agents told me 5 days, others 10, and yet others 30. I tried to file a dispute through XXXX but they refused to investigate. I filed a dispute through capital one. Capital one temporarily credited back the full amount of the purchase while they investigated. On XX/XX/XXXX capitaone stated they resolved the dispute and found that upon their investigation the charges were correct and charged my account the full {$270.00}, taking the partial refund issued to me by XXXX. On XX/XX/XXXX I sent a letter to capital one with documentation showing the refund owed to which they replied the next day that I did not provide documentation. Capital one did not investigate the dispute and took the original refund issued to me.
Company Response:
State: MN
Zip: 55446
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: 2023-07-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 at XXXX I made a cash deposit of {$5000.00} ( XXXX {$100.00} bills ) at ATM # XXXX at the Capital One Branch located on XXXX XXXX XXXX , XXXX NY XXXX. The ATM malfunctioned and my funds were neither returned nor was it deposited into my checking account. This is unacceptable as I obviously need my funds in order to make necessary payment obligations. Capital One has not credited my account or contacted me back with an update despite the ATM being cleared out and the cash counted.
Company Response:
State: NY
Zip: 11743
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A