Date Received: 2023-07-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/23 Put in an application for a Capital One XXXX XXXX card and was given an auto denial based on " Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable '' and realized that my XXXX and XXXX credit reports were frozen but the XXXX credit report was not. I was exercising my right granted to consumers under the FCRA, part of the Consumer Credit Protection Act to freeze my credit reports. XX/XX/23 Called on the phone to customer service and asked for a manual reconsideration but was told that the application was going to be reprocessed by their system and was given an auto denial yet again. The reason was " Based on your credit report from one or more of the agencies on the back of this letter, there have been too many recent inquiries '' and " Based on your credit report from one or more of the agencies on the back of this letter, time since recent inquiry is too short ''. The system is referencing the previous application that was denied earlier based on my credit being frozen and denying it because the time between the applications are too short. XX/XX/23 Called multiple times to customer service and was told they could not manually reconsider my application as they did not have a human underwriting department and would have to be automatically reprocessed yet again most likely resulting in the same outcome and putting yet another hard inquiry ( 2 of them as of now ) for this same application. I did not proceed with the reprocessing. The system is denying my the ability to exercise my right as a consumer granted to me by the Consumer Credit Protection Act and is in clear violation of Regulation B ( Equal Credit Opportunity Act ) that prohibits discrimination on any prohibited basis, and 1002.2 ( z ) includes in the definition of prohibited basis the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau. Capital One 's system is punishing those who freeze their credit reports by auto-denying applications that are reprocessed once the credit freeze is being lifted.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: GAP Insurance paid off the remaining balance all the way back in XX/XX/XXXX XXXX
Company Response:
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was offered a Capitol one credit card. At the time I had XXXX auto loans and XXXX credit card already with Capitol one. There had been issues with them refusing to submit the lean contract for one of my cars to my state revenue office. This resulting in a title suspension which lasted two years. After numerous attempts to resolve the issue with Capitol one I finally got it resolved without their assistance ( they kept telling the state of arkansas that there was no lien in the car ) I had decided not to use Capitol one ever again but they offered me {$250.00} rewards for spending $ XXXX in a interest free quick silver card and I decided to do it to at least receive some compensation for all of my hastle. Once I spent around {$900.00} they hit my credit card with a fraud alert. When I contacted them they initially told me there was a fear of identity theft ( despite no suspicious purchases and despite them forcing me to link all XXXX of my accounts together ) then they told me that there was fear I wasnt authorized to use my checking account to make payments ( though I hadnt yet made the first payment and despite them acknowledging the fact that both auto loans and the first credit card were paid out of the same checking account ) finally they told me there was an issue and that they had to verify who I am and proof of income. ( Despite them acknowledging they had both my DL and my SS card on file ) when I offered to comply with their demands of proof of identity and offered them proof of income through pay stubs they refused to take the offered proof and advised me that they required all my bank statements for three months including purchase history to see how I spend my money. At no point in prior business dealings have I ever been asked to show how I spend my money. There has been zero issues of suspicious spending to the best of my knowledge and the only late payment Ive had in 2.5 years and XXXX accounts was when they messed up and got the title to my car suspended and suddenly they claim my payment wasnt going through ( despite my other car payment going through just fine in the sane day and both payments being made early ). Since complaining about them getting the title to my car suspended I have had them fail to accept one car payment, Ive had them fraudulently promise {$250.00} in cash back rewards only to have them stop the card before i can spend the required amount, and ive had both of my credit card accounts suspended with ridiculous requirements of proof of spending which forced me to close the accounts. at which time they not only didnt let me collect the {$250.00} cash back from the new account which i would have been entitled to if they hadnt fraudulently froze my account, they also kept the cash back rewards for my first credit card account. coincidentally, although theyre partially claiming that they suspect im not authorized to make payments out of my checking account, they continue to take payments from that same account. at this time i believe im also being denied the interest free for a year associated with my credit cards
Company Response:
State: AR
Zip: 72956
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a standard credits card with CapitalONE bank, with a credit limit of {$500.00}. I am an XXXX XXXX I wanted to use the card to make payments, planning to payoff the full statement amount every month. I do not intent to have a credit in time, I am living with XXXX debt and I will keep doing so. I requested this new card because I had a credit score of XXXX, and I am aiming to reach XXXX. The system told me it was needed to increase the credit account numbers I have. So I requested the CapitalONE credit card. I received it a couple of months ago. During the request process, I had to upload to them the requested documents at least XXXX or XXXX times. They were keeping asking me to repeat the upload. Finally they released the credit card. One day, while paying at a gas station, they blocked it. And I had to upload again and again the same documents they already asked me few weeks before. Eventually they unlocked it. Then a few weeks ago they charged me the full statement about twice. So the debited my bank account for twice the full statement amount, going into a negative credit card balance ( balance of about minus XXXX XXXX and XXXX dollars. Buy right after, they blocked the card again, requesting again and again to upload the same documents as before. I uploaded as usual, as a proof of address, a recent bank statement, plus my XXXX XXXX XXXX mobile invoice, the bill of my vehicle insurance, the invoice of my medical plan, and more. My Company pays me the residence and all utility bills, so I can not produce landline or electricity bills. But I gave them a signed and stamped letter from my Company ( in a letterhead paper ), explaining the situation, and confirming my residence address. Anyway, all the uploaded documents have previously been evaluated positively, because with those they initially released the card ; and with the same documents they unlocked it the first time they locked it. Buy now it is several weeks the card is still blocked, I also have s credit ( my balance is XXXX ), I uploaded again and again all the required documents, but still they keep my account blocked and they keep my credit. No explanation given. Please note they accurately never write anything, but they call, so to do not leave any trace of what they are doing. For example, there is no trace of my 10+ uploads of the same documents, over and over. Of course I deeply regret I started to engage with XXXX, XXXX requesting their card obviously made my score to decrease for their hard check. I do not want to start again with some other bank, so I have to stick with them. Please assist me on unlocking my account. Please advise if I have to take any further action, and which one. Thank you in advance for the assistance.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital One Bank Usa NA. XXXX XX/XX/XXXX, Closed XX/XX/XXXX. Account Number : XXXX It has been years since this been on my credit report for XXXX XXXX XXXX XXXX. The charges of XXXX, That was not authorize by me. My card was stolen. This is unacceptable. Please remove.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Capital One ( 1 ) is not timely crediting and making available deposits received ; ( 2 ) falsely denied receipt of payments from my client that the client verified were received by Capital One and provided a tracing number to enable Capital One to trace and credit the funds it denies receiving ; and ( 3 ) both my client and I have been damaged by multiple false, misleading and inaccurate statements made by Capital One representatives in connection with these events. This is not the first time that payments deposited to my accounts are not timely available,. Usually this occurs with check deposits, where Capital One places and maintains a hold on payment even after the client bank has paid the check. Because of recurrent problems with this, our clients are urged and incentivized financially and operationally to pay electronically. This case involves two payments sent by a client on XXXX : a {$5000.00} payment and a {$15000.00}. These payments were supposed to be wired on XXXX as a condition of our continuing work for the client and his qualification for a retroactive timely payment credit. Unfortunately, due to a misunderstanding with his accounting team, the payments were sent as ACH payments rather than wire. By the time the accounting team discovered on Monday XX/XX/XXXX that the payments were supposed to be wired, rather than sent by ACH, the transmitting institution already had processed the XXXX payment directive, withdrawn the funds from the client 's account, and placed the funds in transit. Consequently, the client was told it was impossible to cancel that transaction so that the client could replace it with a wire, but was assured that the payment would be received by Capital One on or before Wednesday, XX/XX/XXXX. As a result of these circumstances, the reliability of receipt and crediting of the funds to our Capital One account became critical. Under the terms of our policies, no additional work could be performed for the client 's impending deadlines and the billing credit is dependent on when the payment actually credits to our bank account. If the bank did not show the ACH payments as received by XX/XX/XXXX, the client would be required to wire a {$20000.00} replacement payment today ( XX/XX/XXXX ), Before agreeing to wait until XX/XX/XXXX for the ACH payments to be received, I visited Capital One 's XXXX XXXX XXXX Texas breach to inquire about its policies for receipt, recognition and crediting to our accounts of ACH payments. In two separate conversation with two separate tellers, I was assured that unlike checks, ACH payments are autoprocessed by Capital One and appear in the customer account immediately when the transmitting institution 's electronic ACH payment is received to the Capital One system without any delay for further processing. Unfortunately, as of XXXX XXXX Capital One continued to report that it has not received any ACH remittances to our account from XXXX, the sending institution. Furthermore, when I spoke with a representative of Capital One around XXXX XXXX, he told me that had the payment been transmitted, it should be visable in the Capital One acocunt at that time. He indicated that he believed the absence of any evidence of the payment in the Capital One system reflected either that the payment wasn't sent or a " problem '' with the payment. He encouraged me to contact the client to get tracing information, which I did. In response to my call, the client 's accountant contacted the transmitting institution and obtained confirmation that the payment was sent and a tracing number. She then initiated to Capital One to inquire why it wasn't recognized, which I joined. During that call, Capital One continued to deny receipt of any payments and said it can't use the tracing number or do anything further to investigate. Rather, I would just have to wait to see if the money ever appears. Understandably, the client was displeased with the response, particularly as the Bank is denying receipt of payments that the transmitting institution has confirmed have been received by Capital One and provided a tracing number for Capital One to use to find the missing payments. Transfer to a supervisor produced an explanation that Capital One has no record of receipt, that it " doesn't use '' tracing numbers, that if the payment was received there is no option but to wait and see if in the next 3-5 days, the payment magically appears from where it is lost in the Capital One system. Following that approach, the failure to timely recognize the deposit clearly received as documented by the tracing number will prevent me from timely paying bills as well as put me in the untenable position of having to decide whether to punish the client for Capital One 's inappropriate procedures. Either way, Capital One already has damaged me by providing inaccurate information, defaming the client and not making funds available in a timely fashion. In a subsequent call back to Capital One, I was connected to XXXX Id # XXXX, Ally also looked into the system several ways but could not locate the payment. She attempted to search using the tracing number. She also confirmed that the routing number and account information used to transmit the payment were appropriate. However she couldn't find the payment. She said she would send an email to the department that handles those matters. Consistent with my experience in attempting Capital One to investigate and address multiple obvious breaches of my account data and other prior legitimate concerns with Capital One, she warned me that she didn't expect anyone would get back to her today or anytime soon. However she took my number and said she would call me back with an update. At this point, even if the payment eventually appears, I already have been harmed by my reliance upon misinformation provided by Capital One about its ACH procedures and the timing and availability of funds, its false claims that it has not received the ACH transmission that the client documentation establishes it has received, the injury to my client relationship created by the false representations by Capital One that the payment was not made and the lost time and concern arising from the deficiencies and misrepresentations of Capital One. These concerns are made even more troublesome taking into account Capital One 's long history of failing to appropriately protect my and my accounts from identity theft and hackers. Pending Capital One 's ability to locate the payment and properly credit it to my account, there remains based on prior history with Capital One a very real possibility that the payment has or will be misdirected to an identity thief or other inappropriate third party. I am confident the transaction in question can be easily traced should it be required by the Bank Examiner, the Department or Homeland Security or some other state or federal entity with disciplinary authority over Capital One. Unfortunately, every customer of Capital One knows that it simply can't be bothered to reliably perform the banking responsibilities for an actual customer. While I wait, I am left in an untenable position of wondering where the funds I need to make payroll and other bills that should be in my account by now are, knowing that Capital One will hold me accountable for any deficiencies available funds to cover any payments that may be presented to my account even where those deficiencies are as a result of its own improper conduct. I also have been required to invest more than 5 hours of my % 675 per hour time trying to troubleshoot a problem that should never occur at any legitimate banking institution in the US.
Company Response:
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance With the fair credit reporting act XXXX XXXX XXXX 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 an 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: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account is closed and card company still showing balance
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am a current customer with a SavorOne Rewards card. If you visit this website you will see the new cardholder bonus offer. I have attempted to call into the foreign call center multiple times and they do not understand or know about it. https : //www.capitalone.comXXXX I have nearly spent {$500.00} within the first 3 months. I would like to receive the {$200.00} cash back bonus. My new phone number is XXXX I am not happy with Capital One. I have never had to complain about XXXX. So if I do not get a {$200.00} bonus I will gladly close my account with Capital One and no longer be a customer.
Company Response:
State: UT
Zip: 84058
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital one closed my account unilaterally after the bill was paid in full for card ending in XXXX. I called on XX/XX/XXXX to submit a request to reopen the account and was told that the request would take 7-10 business days. Called back in on 7/10 to check on the status and was told that I should hear back by the XXXX or the XXXX of XXXX. Called back on the XXXX and was informed that no request was submitted on the XXXX and they only first submitted the request on the XXXX of XXXX and I would have to wait until XX/XX/XXXX. Asked to be transferred to a different manager as the one I was dealing with was based out of the XXXX and difficult to understand on top of multiple dogs barking in the background. Was transferred to Manager XXXX based out of XXXX, FL who said that my account will not be reopened and she's not sure why the requests were submitted as my account can not be reopened. Very angry that hours upon hours of my time has been wasted by Capital One lying to me about my recourses and about requests that were supposed to be submitted but were never submitted.
Company Response:
State: CO
Zip: 80237
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A