Date Received: 2023-07-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened 3 credit cards using my information fraudulently that I didnt open
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
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: On XX/XX/XXXX my wife, XXXX XXXX did a debt consolidation loan in the amount of {$25000.00}. XXXX XXXX approve the loan disbursed all the funds to seven or eight credit cards including to a capital one account ending in XXXX for {$2600.00}, in the same week, another loan was processed for the exact same amount, and again all the loans. All the money was disbursed. And again account ending in XXXX was given another {$2600.00} thats two {$2600.00} payments within one week time that same week we canceled one of the loans which was the first one so the XX/XX/XXXX payment of {$2600.00} was supposed to go back to XXXX XXXX that payment has never been received by XXXX. It is XX/XX/XXXX. We have transaction numbers we have letters from the bank stating that they sent it back but it has never been received capital one can not verify that they have received the funds, and XXXX can not verify that they receive the funds, nobody can find the {$2600.00} is missing the account was paid in full so there was a {$2600.00} credit and if they were to send the funds back and there wouldve been a XXXX balance complete XXXX balance still hasnt been received
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
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: On XX/XX/XXXX my wife, XXXX XXXX did a debt consolidation loan with XXXX XXXX in the amount of {$25000.00} a loan was approved and the funds were just first capital one received a {$2900.00} payment account ending in XXXX which paid off the accountant for the same week there was another loan that was approved again that Money was disbursed to all the credit cards and again capital one received {$2900.00} in the account ending in XXXX that same week we canceled the XXXX which was the XX/XX/XXXX payment and {$2900.00} was supposed to go back to XXXX XXXX There were two payments that were made the same week which wouldve been a credit on the account for {$2900.00}. The credit has never been sent back. Its never been received by XXXX. I have the transaction numbers I have letters I have all kinds of documents stating that it was sent back by capital one and XXXX has never received them, and nobody can find these payments And there isnt anyone investigating these payments anymore. They were investigating all the way up until XX/XX/XXXX, and all of a sudden nobody wants to look for these payments anymore. I need help I want the check sent to me so that I can pay off XXXX which is now in default, the people that work at Capital One see the issue they see whats going on they see the money, but there is somebody in investigations it doesnt want to fix this and take this off of my nightmare
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Unauthorized inquiries that have been listed on my credit report. Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72904
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Basically did not inform me I could dispute any of these debts.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a loyal member of Capital One credit cards for around 12 years. Over the past decade I've never missed a payment and have maintained near perfect XXXX. Both my personal line and business accounts have extensive credit lines. A few months ago I opened a new account to manage my real estate rentals. Capital One offered a very small credit line for this account. Recently, a utility company tried to collect payment and attempted to charge the card several times but since I was just shy of the available credit on the card the charge repeatedly did not go through, but rather was flagged as returned payments. Without notice or warning, and after a dozen years of flawless credit history, Capital One abruptly canceled all four of my credit cards, closed my accounts and kept my rewards points that I had accumulated. I called and spoke to two different managers today and both were sympathetic and apologetic but said they could not do anything to help. I was shocked, appalled, outraged, and confused all at the same time. I'm assuming this was a flawed computer algorithm that canceled my accounts due to 'returned payments red flags ' and thus avoided the common decency of contacting me ( via call, text or email ) to indicate there was an issues prior to taking such drastic measures. I can understand if a machine determines I am high risk for some odd reason but can not believe they removed the entire human element out of the equation and left no option for resource in its wake. I have strong credit and plenty of liquidty to service my debt, yet now it appears I'm going to suffer the credit wrath of four closed simultaneous accounts, two of them are sizable and have significant history behind them. This seems beyond ridiculous.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
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: XX/XX/ someone opened a fraudulent credit card from capital one from XXXX VA. I called capital one and had it shut down. I was then told by capital one I need to contact all three credit bureaus to have the hard inquiry removed from my credit history since it was fraudulent and not me. XXXX told me this inquiry can not be removed from my account for two years! This was not me and I want it off my account. I filled two disputes and they said they are not removing the inquiry from my account!! This was not me and I want it off my report it was FRAUD. Capital one informed me it can be removed from my credit history and XXXX keeps saying they can not remove it even though they have verified it was fraud with capital one.
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I scheduled a transfer of {$2000.00} ( online, via the Capital One website ) from my Capital One 360 online savings account into my linked personal checking account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It posted on XX/XX/2023 and the amount was deducted from my Capital One 360 savings account. It said 1-3 business days for funds to be available. No funds have shown up in my XXXX XXXX checking account. On XX/XX/2023, I called XXXX and they can find no evidence of the funds anywhere and stated it was an issue on Capital One 's side. ( They also stated this is a " pervasive problem '' with Capital One. ) So I contacted Capital One the same day. I first spoke with XXXX, who blamed my credit union and then transferred me to XXXX. My understanding is that XXXX filed a dispute claim ( but she kept putting me on hold as there seemed to be some problem with the system- the call lasted XXXX minutes ). She stated that the claim number and status updates would be sent to me via email, and a resolution should be forthcoming within 45 days. It is now 3 days later and I have not received any claim number or any acknowledgment of my complaint/issue ( though they did send me a survey, so they clearly have the correct email address ). This is a nightmare scenario where both companies blame the other and I am out the {$2000.00} with no written acknowledgment or confidence in the system handling the issue.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: capitol one acct was paid in full XX/XX/XXXX and they reported it to credit agency but they have not adjusted the amount on my balance and closed the account even though it was paid in full. They continue to collect something that was already paid by a negotiable instrument.
Company Response:
State: WI
Zip: 53072
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Background about me : I XXXX XXXX in XXXX, right at the end phases of XXXX, job market was rough & I decided to start my own XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Being an XXXX family, my parents goal has always been to return to XXXX once I am financially able to support myself. During my first 10 months of during my own business I have found lots of success, on track with my own finances, taxes, stocks, and even have a healthy savings account. I was banking with capital one because they were the XXXX bank that would issue a credit card to a young, recently graduated XXXX XXXX XXXX. However my experience with them has been nothing but a nightmare. It all started when My father, left XXXX separate checks of {$1300.00} each with me. Purpose is so I can XXXX the real estate agent for taking care of our houses. XXXX of XXXX I deposited the checks to my capital one 360 Account. Immediately my XXXX was frozen with the XXXX checked + my own money. XXXX XXXX At this point, my account has been locked for 3 months, all linked account such as XXXX has been locked, my XXXXredit score took a big hit. I had to take money from chase, XXXX & borrow money to pay for taxes, food, car, insurance etc. My parents returned to the XXXX XXXX with the intention of resolving this issue with me. We were able to visit the XXXXXXXX XXXX XXXX XXXX through out that week to get an answer. The ambassador at the store got on the phone with the fraud department and the fraud department mentioned that the signature dad signed is too similar to my legal name, therefore the system thought I signed my dads check. I get it, precautions. We were able to verify that the legal names were indeed similar but the signature on the checked were clearly not mine, and it was my fathers. After XXXX days of back and forth, capital one release my personal money that were not part of that {$4100.00} ( $ XXXX ). And we were sent home with the understanding that the investigation will take some time. Again I get it. However for about a year, there was no communication from capital one about my money, or the investigation. The only reason I found out that money has been released was because of the following, XX/XX/XXXX In XXXX of XXXX, I suddenly realized my XXXX account was unfrozen, therefore led me to look into my capital one account. On the record it indicated that the funds were withdrawal without any explanations. XXXX of XXXX We went into the store multitimes, the ambassador at the cafe can not help us at all, he has to call their head office in Virginia. The other sides attitude was horrible & they continuously to blame chase for holding the money that was sent back. So we went to chase multiple times, with Chases amazing customer service, we were able to see there was no money being held on chase side. Capital one refuse to let us know where my money was withdrew to, the recipient account and have asked us to contact the Law enforcement to obtain this information. During this entire process, we had to get on the phone with a different agent at capital one to explain the same problem over and over and over again despite having notes written down in our case on the backend We still dont know where our {$4100.00} went
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A