Date Received: 2023-07-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I initiated a transfer for XXXX from capital one bank to XXXX XXXX XXXX denied the funds as noted in my cfpb complaint to them CFPB Case XXXX. They stated funds would be on hold for 30 days and then capital one would need to to a SRXXXX return on the funds. Capital one sent me ACH documentation stating the funds were rejected from XXXX Tracing number XXXX. Claim/case number XXXX. Twice capital one has denied my claim. Manager said it was in wrong department and now dealing Richmond XXXX XXXX. Its been 2 weeks and still no resolution. Manager today said she didnt think they would be able to handle. Account XXXX. Would like the funds be returned to account.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
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 filed a dispute with Capital One, I called them over 30 times, I have emailed over 50 times, this isn't an exaggeration, they all give me the run around and they assure me a dispute was filed but there is never a resolution. The card hasn't been used by me since early 2022 and they requested that I notify them of the last charges on my statements that I recognize doing and I did exactly that and no result has come of it besides spam emails and no responses to my emails or calls to the direct line given to me originally, I have left voicemails and when I get through to people they just transfer me around until I get told I will receive an email or callback with an update. I have XXXX screenshots of emails sent with no response, calls made to them, and fax confirmations of paperwork I have sent over a a long period of months
Company Response:
State: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
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 arrived in XXXX, XXXX on XX/XX/ at around XXXX XXXX for a 5 days vacation to stay in XXXX XXXX XXXX and XXXX. As I as walking out of the XXXX XXXX XXXX I was approached by many people offering me transportation and taxi services, one of them solicitors was this woman who had a ID card and a handheld point of sale machine, to be used for card transactions. She appeared to be a genuine taxi services provider, we agreed on a deal of {$30.00} USD for my ride from the XXXX XXXX to my hotel in XXXX XXXX XXXX. She offered me the option of paying by card so I gave her my CapitalOne REI Co-Op card which she swiped at her mobile XXXX machine, she said she charged me {$30.00} USD but after swiping my card she told me that she her XXXX machine had ran out of paper earlier in the day so she can not give me a paper receipt. She did not inform me about that before running my card. I was a little apprehensive after hearing that, so while the taxi was driving out of the airport I immediately checked my CapitalOne app on my XXXX and noticed the charge of {$310.00} USD, by this time the taxi was already on the way out of the airport, so I told the driver to turn around and take me back to that woman. I was being rushed through this fraud quickly by the driver and the woman. The driver called that woman on the phone, and we met in front of the airport terminal again, she said it must have been a mistake on her part so she will refund to my card and send me an email as receipt of that refund. Credit card refunds don't reflect on your online account right away as compared to regular transactions, usually refunds take a couple of business days to show on my online statement. In a couple of minutes I received an email from the email address XXXX confirming that they have processed a refund of {$310.00}. The woman asked me if I can pay {$30.00} USD cash to the driver instead of using the CapitalOne card that this would be a new transaction with only cash. So the first card transaction was cancelled and then we agreed to a new deal with just cash. I agreed to pay the driver in cash after reaching my destination which was the hotel. After receiving the refund email, I thought the issue had been resolved so I went on my way to the hotel in XXXX XXXX XXXX and paid the driver cash {$30.00} USD. However, I was still feeling a little uneasy about the whole thing, so I called the Capital One customer service the next day XX/XX/XXXX and reported this incident and checked with them if they see the refund amount in their system. CapitalOne customer service asked me to wait a couple days until the refund is processed and shows on my account. So, I waited and then on Saturday XX/XX/XXXX, I saw there was a refund of only {$17.00} USD ( which is XXXX XXXX pesos ), instead of {$310.00} USD as confirmed in the refund email from the merchant XXXX XXXX. I tried contacting the merchant XXXX XXXX XXXX but was unsuccessful following which I contacted CapitalOne customer service and reported the incident as fraud, the fraudsters defrauded me twice, first when they charged me {$310.00} USD instead of {$30.00} USD to my Re-Co Op card and then when they said they are going to refund me the whole {$310.00} USD but instead only refunded {$17.00} USD. I did not authorize or sign this transaction in any way digitally or on paper. She took my card and swiped it for a much greater amount than what we agreed on without my knowledge. I have tried to contact the merchant many times but have been unsuccessful. CapitalOne is refusing to create a dispute case inspite of me calling them many times right from the beginning and providing all the necessary documents like email screenshots, copies of airline boarding pass, hotel reservation. CapitalOne is insisting that they will not open a dispute case with the merchant unless I can provide a copy of the receipt of the cash payment I made to the driver. I have explained to CapitalOne repeatedly that the cash payment was made as part of a whole separate transaction and that the fraudsters did not give me a receipt for that either, quite simply put they made me fall into their trap while I was expecting I would be provided with a receipt. The fraudsters did not mention that they are out of printing paper in their POS machine before swiping my card. CapitalOne has insisted that they will not help me further with this case and I am liable to pay for the charges. They have advised me to contact the merchant which I have tried multiple times with no success. CapitalOne has been thoroughly unhelpful and disappointing. I am attaching the copies of the following documents in support of this case : 1.CapitalOne credit card statement 2.Capital One Dispute update letter 3.Screenshots of refund email from the merchant XXXX XXXX 4.Airline Boarding pass 5.Hotel reservation
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX has a broken online system. I told them that they reported my account was closed at XXXX in which I don't consent to XXXX storing my information ever. Similarly, when I go to their website, the website doesn't work properly. The individual on the phone on XX/XX/XXXX hung up on me and refused to help. This is unacceptable.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My XXXX credit report shows that I have a hard inquiry on my account. I have notified CapitalOne Bank which reported the incident as fraud. Also, the other day I contacted them again and my situation wasn't active anymore. I didn`t have my ss number linked to them anymore. So, I was wondering if I could get it removed, if possible, I've done my diligence.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Capital One bank advertised on XXXX about their Quicksilver Cash Rewards XXXX -- {$200.00} bonus if used for {$500.00} in first XXXX months, and 0 % APY on balance transfers for XXXX months. On XX/XX/2023, I selected " apply here '' and completed the Capital One application which was approved. I received the card in the mail and activated it the same day by phone -- XX/XX/2023 -- the front side was identical to the card described and pictured on the XXXX XXXX website. I then used it for over {$600.00}, well within the time required to earn the bonus. On XXXX XXXX I called Capital One customer service, and was informed by the representative that the credit card i had received from them did not qualify for the {$200.00} bonus feature or the 0 % apy feature on purchases or balance transfers.After considerable discussion, she continued to maintain the same position. I asked to speak to her supervisor and he came on the line and I told him the whole story. He insisted that the card i was sent did not contain those features. I suggest that he might be violating federal law, but he did't waiver from his position. on the same day of the troublesome phone call, they sent me a letter announcing a 29.74 % apy 0n balance transfers. I have always paid the statement balances, on time on this card.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a call from an attorney saying Im being sued for a debt. I then received a call from capital one offering me a settlement offer for the debit. I emailed them and explained how my identity was stolen. The address on the capital one account doesnt match my address and also the bank account attached to account is not any of my accounts I have or ever had. I want this matter handled and off my credit as it has destroyed my score! I have no credit cards never have so why Id open one and not pay is ludicrous! Please help me fix this situation and restore my credit report!
Company Response:
State: PA
Zip: 17602
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 1. I had a XXXX account and decided to add XXXX onto that through XXXX. I ended up cancelling my XXXX and received an email from XXXX stating that, since the accounts were connected, that account was also canceled. They continued to charge me. 2. I tried to resolve it through XXXX but didn't have the 1 piece of identification they required to prove my identity so they wouldn't help me. 3. I filed a dispute with Capital One. 4. The initially refunded my stolen money but later reversed it for, what they claimed was a lack of response on my part. I attached emails proving that wasn't true. 5. When I called to refile it the customer service person with Capital One was getting the few disputes I had confused so I asked to speak to their manager. 6. That manager told me several lies including the fact that I only had a few month window to file a complaint per the terms of service. 7. I filed a formal compaint with Capital One with both their poor service, their denying my dispute for my lack of response when I actually had responded, and for them lying to me multiple times. The call was recorded so it'll be easy to hear all their different lies. 8. The money was returned to me and then later taken back out of my account when they denied it a second time. 9. Miraculously XXXX stopped charging me but never refunded the money they stole. 10. The compaint I filed with Capital One was never followed up on with me after I tried reaching back out severa times.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a personal credit card from Capital One for many years with my social security number on it I have a couple users on it as well. A company that I work for filed XXXX XXXX I did not file XXXX XXXXXXXX they have marked my credit bureau bankruptcy they've marked my additional users bankruptcy they will not talk to me nor let me make a payment I keep telling me to call an attorney I don't have an attorney because I didn't file bankruptcy they have incorrect information will do nothing to check it out. I've never missed a payment my life anywhere there's no reason I would ever file bankruptcy
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Capital One National Association submitting multiple soft inquiries called " Account Review Inquiry '' in a month for several months. I don't understand the valid business purpose behind so many inquiries in a month, albeit for a soft pull.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A