Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Capital One case XXXX XXXXXXXX ( contact for full number ) was opened to request the removal of charged interest. XXXX XXXX month XXXX % promotional period expired on XX/XX/2023, and {$190.00} interest was billed XX/XX/2023. Seems simple enough, promo expired, payoff date was missed, so interested was billed. A request was made to remove the interest and it was denied at all levels at Capital One. The reason for the compliant ; Capital One does not disclose promo expiration date on the statements and it is not disclosed online. A call was made on XX/XX/2023 at XXXX PM ( XXXX ) as soon as the {$190.00} interest charge was seen, XXXX day after it was posted. Associate XXXX XXXXXXXX took the initial call, forwarding it to a XXXX accounts supervisor named XXXX. They stated that the only way a consumer will know when the day the promo expires is to call Capital One. It never has and never will show up on the statement and can not be found online. XXXX bumped the request to removed the interest charge internally for further investigation ( see case # in first sentence ). On XX/XX/2023 the $ XXXX account balance was paid in full, except the disputed interest. On XX/XX/2023 the case was discussed with associate # XXXX, stating that the request to remove the interest charge is denied. All associates at all levels were polite.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The accounts were paid off in XXXX of 2023, with Capital One Auto Finance. I had 2 accounts with them, they sent me the titles in XX/XX/2023. So this closed the account, as of XX/XX/2023 they reported late payments and a balance and hasn't fixed the issue. This ha caused me hardship, ruined my credit score that was XXXX and now I'm a XXXX and can not do a HELOC, because my score was affected by Capital One Auto Finance.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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 deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On Thursday XXXX XXXX a message was left on my cell phone. It stated that my husband needed to respond. I called the number that they left XXXX on Friday and spoke to a woman who identified herself as a lawyer by the name of XXXX XXXX. She stated that she was representing Capital One and that we owed {$3300.00}. She knew a lot about us, including our names, my phone number, where my husband used to work, our address and the last 4 digits of our SS # s. She was very believable, but we had no knowledge of this debt. She agreed to take a reduced amount if I paid it immediately. She sent me a form that made me suspicious, supposedly originating in XXXX, Fl when she was calling me from XXXX, IL. I told her I would sign on Monday. I contacted Capital One to make sure there was no debt, they told the card had been paid off years ago and advised me to contact XXXX XXXX XXXX which directed me here.
Company Response:
State: IL
Zip: 60525
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I plan to also send the below to Capital One, but I imagine I won't receive much attention as a single complainant. Re : Misleading savings account names and interest rates To whom it may concern : I am a longstanding client that began a savings account in 2006 with ING Direct. I have had my more substantial savings account with you since that time, using XXXX XXXX for my checking and smaller savings accounts. A large part of why I chose XXXX, and then stayed with you, was for the interest rates. When I just went to open a savings account with you for my kids, I noticed the extreme discrepancy in interest rates between my XXXX savings account that was " grandfathered '' ( .3 % ) and the XXXX performance savings accounts ( 4.15 % ). I am extremely disappointed. On multiple occasions, my financial planner has asked me if I wanted to move money from Capital One into a XXXX. I always declined as I was unaware of the differences in your accounts and that my account had been changed to a very low interest rate. I never received an email, call, or flyer in the mail explaining that my old floating rate account had now been locked into this very low interest rate and that there was a new account with much better terms. Further, the extremely similar names of your savings accounts are confusing and misleading. When I XXXX XXXX savings interest rate, the performance account rate comes up at 4.15 %, not my .3 %. I feel like I have been penalized for being a long-term client and have possibly lost thousands in interest due to this change. Two years ago, I had a balance of $ XXXX in my account with you. I had no idea that my interest rate had changed. I just opened a new performance account with you today so that I could start to receive an improved rate. Please see below for the language re : the transfer. This is very misleading for a typical customer. From : XXXX Savings, XXXX To : XXXX Performance Savings, XXXX The names should be more differentiated from one another and existing clients should have been notified of the opportunity to change into a better-performing savings account or should have automatically been rolled into an account with better features. I certainly plan to pursue this further but am open to discussion/resolution if someone reaches out. I have spoken to a manager on the phone that agreed with my points but was unable to help me further.
Company Response:
State: NH
Zip: 037XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I was trying to replace a lost credit card through the mobile banking app. I was given a phone number to call which took me to an automated phone system. The system asked me to say my credit card number or enter it using the phone keypad. No matter what I did, the system would not recognize my inputs and eventually disconnected my call. I called this number repeatedly and the same thing happened. I also tried calling various other customer service numbers which took me to the same unresponsive system. At one point I was able to get onto a waiting list to speak to a human customer service representative, but after waiting for XXXX minutes my call was dropped. I was subsequently unable to get back onto the waiting list phone line. It is now impossible for me to replace my lost card.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: After we got an email that we thought was a scammer/fraud. We reported it to capitol XXXX email as scam/fraud. Mailed a letter right away in XXXX. We have sent at least ten letters stating our position. What we did and why. They closed our credit card account we have had over twenty years. Stating in general generic letters different reasons. One is that we stopped communicating. What the heck. Over ten letters we send the scam/fraud email to address they have listed not to mention the letters. We stated we wont send info over email since it is not secure. We included in several letters info on generic letter stated they needed. So obviously it is sending letters since it is a repeat of our info. However they still wont reinstate our cards. Had no problems treating long time paying on time customers as if we did something wrong. So as you can see we wont trust them on generic letters sent or emails since that is what caused original issue. Now we are questioning our account in full and all charges. Since they are being very secretive and want info over non secure email and phone. So we need entire account checked from the being. Since they seem to be hiding something on an email sent to there fraud department.
Company Response:
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My XXXX XXXX information was comprised. In which two new hard inquires were made on my report within the past 30days ( capital one XXXX and XXXX XXXXXXXX XXXX XX/XX/23 ). These were not done by me. I already contacted each Bureau about the fraudulent injuries.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under the FCRA, capital One are obligated to provide consumers with a proper validation of the debt upon request. However, the validation process for my account XXXX has raised concerns regarding compliance with the law. I kindly request that you provide me with the specific methods and documentation utilized to validate this debt in accordance with the FCRA. To support my claim, I would like to highlight the following points : - The initial request for validation of the debt on account XXXX, which was previously submitted, did not receive a satisfactory response that provided adequate evidence of the debt 's validity. - Capital One is required to provide detailed documentation or information verifying the existence and ownership of the debt, including a complete payment history and contracts with my signature. - The methods used to validate the debt should adhere to the standards outlined in the FCRA and should include comprehensive and accurate information to establish the legitimacy of the debt. - Provide me with the specific methods and documentation used to validate the debt associated with account XXXX, ensuring compliance with the FCRA. - Cease the transfer of my private information to any third-party collection agency without my explicit consent. - Opt me out of your system and any related third-party databases to protect my privacy rights. Furthermore, it has come to my attention that my private information associated with Capital One account XXXX has been transferred to a third-party collection agency without my explicit consent. This act raises concerns about the violation of my privacy rights under state laws, including 15 U.S. Code section 6801, 15 U.S. Code section 6802, and 15 U.S. Code section 1681B.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: This regarding a Capitol One Quicksilver credit card opened in XX/XX/XXXX and ending in the last XXXX digits of XXXX, credit report shows late payments from XX/XX/XXXX XXXX due to hardship endured during the covid XXXX pandemic and my state of residence, California, was under a full lock down. The amount due was paid but was late due to the financial hardship encountered. Contacted Capital One and they said that theres not anything they can help me with regardless of the pandemic situation. This negative remark is impending my ability to apply for a home mortgage.
Company Response:
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A