Date Received: 2023-07-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I transferred {$8800.00} in a SAME DAY transfer to my Capital One 360 account. At the end of the business day, they said they still couldn't find the money. I called XXXX XXXX ( who I transferred the money from ) and they confirmed the money had been sent. I logged in online to confirm that the money was gone and that they had completed a same day transfer. Capital One still won't give me my money, which is a problem because I have credit card bills due tomorrow and I don't want to get charged interest and late fees.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
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: XXXX Capital One Fraud How Hackers acquire unauthorized use of your phone and devices Skilled hackers can take over a hacked smartphone and do everything from making overseas phone calls, sending texts, and using your phone 's browser to shop on the Internet. Since they're not paying your smartphone bill, they don't care about exceeding your data limits. Is it possible for someone to hack and control your phone? Your phone can be hacked, just like any other device with internet connectivity. Phones are particularly tempting targets for hackers because these devices usually have access to a huge amount of user data, from banking information to social media passwords.XXXX XXXX XXXX Though it's possible that your smartphone has been hacked, it's unlikely this would cause a rash of popups. Most people would never know their phone has been hacked until they see evidence of their personal data being made use of, such as charges to their bank account or new lines of credit opened in their name.XXXX XXXX XXXX. Hackers don't need to have your phone in their hands to steal your personal information. So, how do hackers hack your phone without having access to it? The fact is that they can easily target your phone remotely. Passwords, SSNs, bank account details, text messages, photos, and almost anything can get into the hands of the bad guys if you aren't careful enough. Whether you have an XXXX or an XXXX smartphone, some signs can indicate that your device has been hacked. If you notice these things on your smartphone, there's a chance that a cybercriminal has targeted you : Here is what I noticed : Unusual activity on the accounts connected to your phone. When I discovered that the two fraudulent deposits had been made I opened a second XXXX account to segregate the funds that were legitimate and belonged to me. Since that time I have requested the documentation that was developed by XXXX XXXX Department. That data has been used to freeze my funds, deny me use of processing my personal bills using the XXXX website and to deny my application for a liability policy and I have attached the documentation previously provided. I have never received any response from Capital One. I have never received any documentation as to why CapitalOne can not accept that not only was my Capital One account hacked. Capital One is responsible for accepting the falsified checks deposited as payments to my balance. I requested that Capital One involve the authorities to track down these perpetrators Nothing was done except to blame me. Best to resolve this situation. Again, I did not create the fraudulent deposits and that I know of XXXX never pursued to originators of the deposits based on the data included on the bogus checks that XXXX erroneously accepted I am again requesting that this matter be resolved and that my status for use of the XXXX website and release of my funds be restored. I again refer you to the fact that my phone and account records were illegally acquired by the criminals who committed these acts of fraud. Please provide the physical information used to make the decision to seize my funds and restrict my status with Capital One. This incorrect accusation against me is damaging to my credit report score. It is blocking my ability to refinance my home and may lead to my losing the home in foreclosure. I have no record of ever doing this type of activity. Please consider this request to resolve this matter. XXXX I am responding to your letter of XX/XX/XXXX, where you closed my account due to false transactions that I did not authorize or execute. This is my third attempt to resolve this matter with your fraud department. I am not paying the balance or fees related to the hackers of this account. This is at least the third time that this account has been compromised and the card has to be replaced. You have treated this as a charge off and have held me responsible, which I am not. Your action was taken without advising or conferring with me. Your false entry to my credit report caused a XXXX point reduction to my credit score. You have also caused a delay in my acquiring a Reverse Mortgage because of this. I have retained an attorney to dispute your actions. I again request that you do the following : XXXX ) Reverse the entry on my credit report XXXX ) Reinstate my account and reissue the credit card. XXXX ) Adjust the balance to pre-hack levels and I will resume making payments on the correct balance. This is now fourth attempt to resolve this with you. I did not misuse the account. This is the third time that the account has been compromised. None of that, then or now, is my fault and due to that the closure of my account and the false entry to my credit report. I have never improperly or illegally used this account as you allege. All these transactions were done because your security of my account failed again. I did not make or authorized the deposit ( s ) you accepted. This is not a fair or legal resolution of this matter. My attorney will be in contact with you as I need to complete my reverse Mortgage. Your actions alienated me from over {$350000.00} in equity that I need for my retirement. I also object to being held responsible for the effect of transactions that Capital One approved. I did not know these payments and expenditures were being made. I also have had one of my banks hacked where forged, false deposits were made with photocopied checks. It took that bank a week to verify that the deposits were not real checks and that I did not make the deposits. They have reversed these items and do not hold me responsible for their execution. This is not the first time my credit card accounts at Capital One have been compromised and used illegally. These transactions should never have been authorized, especially the payments since the did not originate from my accounts. I want to know if the deposits and expenditure transactions were made by an entity called : ARE Disbursements Account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Copies of the forged checks deposited to my bank follow. This is the data on the forged deposits to my bank. I have proposed to the bank that we use this data and engage with the FBI to pursue these thieves. What is your fraud department doing to trace these illegal transactions that I did not authorize or originate? Summary of Fraud Transactions not created by Capital One ( XXXX ) Account Owner XXXX XXXX XXXX I believe that I should not be held responsible since I had no part of these items that were approved by Capital One. I request that Capital One advise what actions are being taken to track down the criminals that did this. I also request that my credit card account be restored and that I be provided a replacement card. I have been a customer in good standing with Capital One for many years. I am not a thief. I do not understand why these deposits were accepted. As I said, this is not the first my Capital One accounts have been hacked and used illegally. Please address my questions so that we can resolve this as quickly as possible. I also request that no detrimental entries be made to my credit agency files. Please advise as to what next steps are so we can apprehend the criminals responsible for this and restore our long standing, mutually beneficial relationship. Thank you for your interest and teention to this matter. With respect and best regards. XXXX XXXX XXXX Fax Confirmation ; XXXX
Company Response:
State: WA
Zip: 98312
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Please see attached documents for further explanations. I am seeking arbitration due to violations on my retail installment contract. I would also like to rescind my contract.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit card were compromised by my tenat. they took picture of my credit card back and fron, social security and driver license. and purchase on line. Identity theft
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I attempted to pay the balance of {$3200.00} due on my Capital One Savor credit card. I used the blank check provided on the bottom of the statement, detached it as instructed on the statement, and mailed it to the address provided by and instructed by Capital One along with my tender ( letter of instructions for Capital One so they knew what to do with the payment ). In addition to the payment and tender enclosed in a secure envelope, I provided a printed copy of Federal Reserve Act Section 16, 2. - which notifies Capital One of my right to provide a tender along with my payment. The envelope described above was mailed directly to the Capital One billing department. In addition to the secure envelope and its contents described above, I sent a second envelope on XX/XX/2023 directly to Capital One headquarters addressed to their Chief Financial Officer, XXXX XXXX. This letter included the following : - A copy of the same payment sent to the billing department. - A copy of the same tender ( letter of instructions ) sent to the billing department. - A copy of Federal Reserve Act Section 16, 2. sent to the billing department. - And a copy of a notarized California Durable Power of Attorney. Both secure envelopes described above were sent certified mail with a certificate of service ( PS form 3811 ) through United States Postal Service. Both envelopes were delivered and signed for ; one on behalf of the Capital One billing department and the other by agent on behalf of XXXX XXXX XXXX. I know this because I have the signed certificates of services from both envelopes in my possession. In my tender, I instructed the XXXX, XXXX XXXX to communicate in writing within XXXX business days once the payment was applied. Not only did XXXX XXXX XXXX and the billing department fail to respond in writing within 5 business days ; they completely ignored me ( the Owner/Director of the account ) and they failed to apply the payment which was sent to them. On XX/XX/2023 I made a second attempt to pay the {$3200.00} balance due by sending another secure envelope with the same contents described above inside of the envelope and sent it to the billing department. This time, I included a printed copy of Federal Reserve Act Section 29. Civil Money Penalty; attempting to notify Capital One that they are officially in violation of ( b ) Second Tier - breach of contract to perform any fiduciary duty. On XX/XX/2023 another secure envelope with the same contents was sent to CFO, XXXX XXXX XXXX again by certified mail with a certificate of service. This time, I did not include the Power of Attorney as XXXX XXXX XXXX is already in possession of the first copy I sent. Instead, I included a copy of Federal Reserve Act Section 29. Civil Money Penalty, attempting to also notify XXXX XXXX XXXX that he is in breach of contract for failure to perform fiduciary duties. In addition, I highlighted that the breach was part of a pattern of misconduct as he failed to respond to my first letter of instructions. The second set of letters described above, were delivered as I am in possession of both signed certificates of service proving that the Capital One billing department and Chief Financial Officer, XXXX XXXX received my second attempt to pay. Once again, Chief Financial Officer XXXX XXXX and the Capital One billing department failed to respond in writing within 5 business and they failed to apply the payment for the second time. On XX/XX/XXXX I received 2 separate letters of communication from Capital One. The first, was notifying me that Capital One has closed my Capital One Savor credit card account and stating that activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. The closing of the account was NOT requested, authorized, or directed by me. The second letter was identical to the first except its contents notified me that Capital One has closed my Capital One Quicksilver credit card account as well. The closing of my Quicksilver account was NOT requested, authorized, or directed by me either. On XX/XX/2023 I made a third and final attempt to pay the {$3200.00} balance due on my Capital One Savor credit card account. I followed the same procedure described in my first and second attempts to pay. Again, I used certified mail with certificates of service for each instrument of communication sent to the same persons- the Capital One billing department and directly to the Chief Financial Officer - XXXX XXXX XXXX. The only difference of the contents of the third set of envelopes for my third attempt to pay was, I highlighted ( c ) Third Tier of The Federal Reserve Act Section 29. Civil Money Penalty, attempting to notify the Capital One billing department and CFO XXXX XXXX XXXX that this third and final attempt is a " Notice of Default - Breach of Contract ''. It is now XX/XX/XXXX and I have yet to receive any response to my third attempt to pay. On page 5 of the Credit Card Agreement for Consumer Cards in Capital One, N.A., it states verbatim, " This Agreement is governed by applicable federal law and by Virginia law ''
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: They refuse to return my money fraudulently taken by a merchant XXXX XXXX. They suggest I work it out with the merchant. This is utter XXXX as they are supposed to protect me from fraud. It's literally one of two reasons that I allow them to charge 31.49 % interest APR. I have always stated " fraud '' as a reason to refund my money but they ignored that reason entirely and focused on irrelevant factors instead. They are denying my claim because the merchant has hidden all of my correspondence. They prefered to have a self-contained messaging system which they locked down and effectively prevented me from accessing my disputes. That is also fraudulent. In addition, Capital One is demanding an invoice/receipt, but XXXX XXXX Never provided me with one. How is that MY fault?!? Once again, I NEVER authorized XXXX XXXX to charge me the {$29.00}!!! Capital One has wasted hours of my time and treated me like complete trash. They are literally disgusting!
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This is a problem that started in XX/XX/XXXX. My previous complaints explains that my personal checking account with Capitol One froze my account. XX/XX/XXXX. This was due to a XXXX loan deposited into my account. Per Capital One my account was closed in XX/XX/XXXX and my loan was returned to XXXX XXXX XXXX ( which this complaint is also against ) the issuing bank of my XXXX. Ive unsuccessfully been able to contact either financial institution. I am being charged for the loan by XXXX XXXXXXXX XXXX I never received the loan as it was returned. Also not allowed to have loan forgiveness that was offered to all applicants. Ive sent emails to XXXX XXXXXXXX XXXX to verify if they received the loan back. XXXX XXXX XXXX replies that I have to contact Capital One bank for that information. Capitol One wont give me any information because they have closed my account. I am being charged for repayment of a loan that was returned.. I need assistance in resolving this matters. I need verification if XXXX XXXX XXXX received the loan back from XXXX XXXX. If the loan was returned it should be applied to my XXXX XXXX account. Neither financial institution will send proof of this transaction. Who can help govern this situation. XXXX XXXX
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: CapitalOne continues to charge excessive annual fees and interest for cards that I rarely use. Years ago, phone customer service agents had authority to remove those fees in situations like mine ; i..e, not using the card regularly and gaining the benefit of " cash back '' on purchases, but now say they are no longer able to do that. This card is rarely used, yet CapitalOne has charged an annual fee, late fee, and interest.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 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 any purpose.
Company Response:
State: NJ
Zip: 07080
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My phone service was cut off and I had to get a new number. Capital one and many other cards arent allowing you to change your phone via email confirmation. It appears they and all gov't agencies are refusing to allow VPN 's which violate users privacy. They locked me out of my account. When I called customer service, XXXX ( from XXXX country ) said they could not change it despite my verifying my social security number. After giving them the new number, they said they would check to see if they could send me a code. She then claimed she couldnt and that I would need to take a photo of my drivers license. This is completely illegal. So the website says you can verify another way, however this is a lie. It only routes you around in a circle and does not allow you to change your number. In addition, these companies arent allowing a mail statement. Lastly, I want to cancel this card because they have allowed businesses to illegally use my card for recurring transactions that I have attempted to cancel, EVEN AFTER I WAS FORCED INTO CHANGED MY CARD NUMBER!!! XXXX XXXX would not allow me to cancel a recurring monthly phone charge because they claimed they could not verify my identity, despite my ANSWERING THE PHONE I HAD SERVICE WITH!! They said I had to give them 5 phone numbers that I had recently called which I did BUT BECAUSE THEY WERE XXXX NUMBERS THEY SAID THIS WAS UNACCEPTABLE? I AM SICK OF THESE COMPANIES WITH CALL CENTERS IN XXXX, XXXX, ETC. VIOLATING BASIC CONSUMER RIGHTS. They would not allow me to change my number or email address either despite the email company XXXX, located in XXXX and evidently above the law, cut off my service because again, I attempted to stop a recurring payment and downgrade to the free plan. They then held my account hostage and would not allow me to use it telling me I had to give them a credit card number. Lastly, my Lifeline phone was cut off by XXXX without notification because I was told by my Wifi provider that I could still use my free Lifeline phone and get a discount with them ( XXXX County, VA aka XXXX XXXX ) for internet. THIS WAS A LIE and at the end of the month, my phone cutoff without my notification.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A