Date Received: 2023-07-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ive filed a complaint with Capital One for my checking account on an on going depute with The XXXX XXXX for a transaction that happened on XX/XX/2023 for XXXX. I reached out to The XXXX XXXX several times before filing a complaint and dispute with Capital XXXX bank after I paid XXXX To have flooring delivered to my house my The XXXX XXXX because I am handicapped and cant do it my self. Ive provided capital one 360 all kinds of information a ver detailed stand even my handicap information etc. and they are still rolling in favor because the back office of Capital one states that I used my pin for the transaction. Well yes I did use my pin for it because I had to by the product first then have it delivered to my house XXXX XXXX XXXX and that never happened and now I feel The XXXX XXXX along with Capital one is discriminating against me because of my disabilitys and XXXX getting ripped off my Capital one for XXXX.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Good Morning, On XX/XX/23 I contacted Capital One to inquire about interest charges on my most recent statement. I had paid off my balance in full that month and did not understand why I was being charged another {$64.00} in interest. I was told this was due to " carry over '' interest. Like many Americans, I was not aware of this stipulation. The only reason my balance was high was due to tuition payments for which I was waiting on reimbursements for. I called as soon as I saw the statement. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reminded them that I am well aware of the new CFPB regulation about junk fees and amounts that went into effect on the XX/XX/XXXX deadline. In the last several months I was just hours late making a payment on the mobile app, and I was charged a {$40.00} fee within hours of the payment deadline. This happened twice, XX/XX/23 and XX/XX/23 - my payments are due on the XXXX of each month. These fees were assessed on the due dates of each payment within hours of their before midnight deadline. I explained given that I paid those late fees so recently I should not be charged this carry over interest. So far this year I have paid over {$1000.00} in interest on this account. Considering the maximum is now {$8.00} down from {$41.00} for a late fee. A supervisor heard the details of the case and in less than XXXX minutes refused to waive the {$64.00} interest on my {$0.00} XXXX credit card statement. If I choose to close the account, I risk losing the longest account history on my credit report which would seriously adversely affect my credit. Refusing to waive the interest in this situation is abusive on Captial One 's part. They were well aware that these new regulatory rules would be put in place and continued to charge fees abusively up until the date. I informed them I would submitting a complaint considering they would not be willing to waive a mere {$64.00} in interest. Please take strong action against Capital One for their abusive practices. Their mobile app still says the late payment fee is up to {$40.00} at the time of this complaint XXXX EDT XX/XX/23. Thank you, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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 ordered a custom cake from XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I paid a deposit for {$100.00}. I ordered a vanilla cake with guava filling and rum soak. When I arrived to pick up the cake on XX/XX/XXXX, I waited XXXX minutes for the cake to be completed. I gave her a pick up time and reminded her via text a few days before pick up. I paid the remainder of the balance {$72.00} using my Capital One Visa. The owner made us late to my sons graduation. A few hours later after the graduation, we arrived at our venue to celebrate. When I cut into the cake, it fell apart into crumbs. The owner added chocolate without my consent and the rum soak I ordered was not present. I served crumbs on guests plates and no one ate the dry mess. The next day, XX/XX/XXXX, I contacted the owner explaining the situation and I sent her pictures as well. She refused to give me a refund or even partial refund and offered to make another cake. This was unacceptable as I needed a cake the day before for my sons graduation celebration. I had no need for another cake. After her refusal to apply a refund, I contacted my credit card company capital one and filed a dispute. Capital One contacted the merchant and she submitted a response with the receipts. Capital One forwarded me this information in a letter on XX/XX/XXXX and stated they would reapply the charges to my account. I reopened the case and submitted all supporting documentation on XX/XX/XXXX & XX/XX/XXXX including pictures, a letter, invoices and text message communications between myself and the merchant. Capital Ones response was that I lacked previously requested information. I provided everything that was requested. My claim continued to be denied despite all evidence clearly showing I ordered and paid for a particular cake and the merchant gave me the wrong order and different from what we had agreed on per invoice. The cake was also not eatable and the merchant refused to accept responsibility. I contacted Capital One once again on XX/XX/XXXX and requested to speak to a supervisor. I spoke to the supervisor XXXX from the dispute department and asked if she can take all facts and evidence into account. She transferred me to visa claim benefits as there was nothing else they can do. Visa claims stated because its an edible and perishable product, I was not covered. I use my credit card expecting to be protected against wrongful purchases. I was turned away and responsible for the payment of {$180.00} for an order different from what I made and was unable to eat. Capital One did not fairly consider all facts in my case. The final letter I received from capital One was on XX/XX/XXXX stating the case was closed.
Company Response:
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a fraudulent account which is showing on my credit report. I have never applied for Capital One and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with Capital One but no result. Because of that I'm submitting a complaint to you to help me for removing CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4500.00}, CAPITALONE XXXX Date opened XX/XX/XXXX Balance {$1200.00} and CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those three accounts are fraud. Thank you.
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have the Capital One Venture X card, that has a " price match '' guarantee. I have included the criteria below and responses that I have taken. Qualification criteria. To qualify for Capital One Travels price match guarantee, the cheaper itinerary found must be : 1. An exact match to the original itinerary that was made within the last 24 hours ( including the cancellation policy, i.e. refundable or non-refundable ) ; -- -- -- -- -- -- I submitted a claim less than 12 hours later. During that call, the agent confirmed that I fulfilled this criteria. 2. Priced in USD, including any taxes and fees ; -- -- -- -- -- - Fulfilled this criteria by providing in USD AND Euro 3. Available to the general public. For example, this means that the rate doesnt require the customer to log into a site or have a special membership ; -- -- -- -- -- -The lower price was listed on the public website of the hotel 4. Available at the time the customer contacts us. Our agent must be able to verify that the lower price exists. -- -- -- -- -- On my initial call, 12 hours after my booking, the Capital One agent confirmed that the date and price matched up and I was eligible for the price match guarantee. However, he mentioned that it needed final approval from the team above him because the amount I qualified for was over {$1000.00}. -- -- - Where this has become a problem is on that next level approval. The day after I booked ( and when I got the first approval ) the website had yet to update to show that the suite was sold out. However, 2 days after I booked, the website updated and reflected that it was sold out for those dates ( due to me booking it ). When the higher level of approver at Capital One looked at the rates ( 3 days after booking ) it showed sold out, and they declined my price match ( even though previous approver said it was good to go, and the dates before AND after the dates I booked show the lower rate ) This was extremely misleading as I followed and fulfilled all the criteria. The reasoning from Capital One of " it's now sold out because you booked it with us at a higher rate '' is one that I believe violates the FTC Deceptive Acts rule.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because a single payment was returned. THAT IS AN ACT OF DISCRIMINATION. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction or because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately the agent held her position that the company would not be able to reopen the account.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are several credit card companies reporting false information to my credit report. As a result of this false and inaccurate information I am having adverse affects. This information being reporting inaccurately is causing my quality of life to be one of dispaear. I am demanding that the following credit card companies immediately remove all of these inaccuracies from my consumer report. Capital One XXXX Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11720
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Cap One is refusing to close the XXXX checking account I have with my XXXX, and they are refusing to return the balance on the account to me. On XX/XX/XXXX, the account was compromised via a mobile app hack, a fake check was deposited, and Cap One placed a lock on the account. On XX/XX/XXXX, I called Cap One to resolve the issue and spent XXXX minutes on the phone with them before I had to hang up and return to work. The issue was not resolved. On XX/XX/XXXX, I spent XXXX minutes on the phone with Cap One. The Cap One agent refused to close the compromised account unless I'd allow him to interrogate my XXXX child. As the accountholder on the account, and the guardian of my XXXX child, I refused to allow him to interrogate my XXXX child, but offered him my full support. The was unable to offer me any proof that me or my XXXX were involved in the XX/XX/XXXX fraud. The agent refused to close the account and refused to refund my XXXX XXXX savings. Please help me close this compromised account and get my XXXX XXXX money back.
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for a quick silver secured credit card with Capital One. I made XXXX deposits totaling {$1000.00} dollars. My account was opened on XX/XX/2023 and closed on XX/XX/2023. I was initially told it was closed because returned payments on the new account. However, both payments were cleared and verified by my bank. After the verification of payments, I was told it was from XXXX previous accounts. I informed Capital One that those previous accounts were opened fraudulently, and I submitted the appropriate documentation previously. This was verified by the closed accounts department, and I was transferred to a fraud supervisor who told me that it was nothing he could do and it could take XXXX billing cycles to have my deposit returned. I told them this was unacceptable because I never used the account and it was closed at no fault of my own. He responded there was nothing he could do.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: 33166
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A