Date Received: 2023-07-13
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX I decided to take advantage of a balance transfer offer. I have very good credit, I owed about {$2400.00} on a XXXX XXXX Credit card, and the card was in good standing. Capital one had solicited me an offer saying I was " pre approved '' for a quick silver capital one credit card '' with a 0 % 15 months offer on purchases and balance transfers. I was just about to put in a new AC unit and was sure I could make the timeline and pay off the card in 15 months. The ac unit ran me about XXXX and the balance transfer was another {$2400.00}, so {$9400.00} decided by 15 months is about {$620.00}. No problem I can do that. So I proceeded to fill out there friendly Little app, all it pretty much asked was the card number, amount and payment address. I thought wow that's almost to easy, ( was I in for a surprise ) immediately I see an email saying my balance transfer request is processing and under review, soon I see an approval, within a few days they were happy to add it to my balance. Wow what service! Right? No! I'm someone who keeps a pretty close eye on my credit, and my cards I was checking my XXXX XXXX Credit card every day, I wanted to make sure the card was paid off and if not in a sufficient manner so as to avoid a missed payment I was making a payment, weeks ago by. So I'm concerned and decide to call XXXX XXXX, they assure me saying these things take time, call back in a few days if I don't see it clear. Okay, I figured sounds reasonable, so that's what I did. Several weeks ago buy. Nada, nothing. So at this point I'm quite concerned I'm responsible for my capital one card and also for the {$2400.00} on my XXXX XXXX card. Now right around the time XXXX bank announces they have merged or purchased XXXX XXXX, I start receiving mail and notices of changes and new mailing addresses etc. Not much I can do I've already initiated this transfer. I call capital one bank express my deep concern that my XXXX XXXX card still hasn't been paid off, but the balance is on my capital one card has the {$2400.00}. It's always the same thing jump through all the hoops verify my identity, etc. Then they act like wow it shows it was cashed back on XX/XX/XXXX, we sent the check to the address you provided, maybe you need to give it more time. Okay here we are XX/XX/XXXX! I requested a copy of the cashed check, I received it. I've been calling everyone on the face of the planet. The check was in deed written out to XXXX XXXX, with my account number, my address and info. However it's just stamped on the back for deposit with several numbers and bank entity names. I've called those institutions, and they won't help me because I don't have an account with them. I ask why are you depositing this check then they say you need to contact the issuer of the check, I say I have, they say it's my problem the check was cashed it's out of there hands, I've called XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, capital one bank, no one will help me. This should not be happening I've worked for 33 years as a XXXX, I low middle income I barely get buy, these credit organizations are taking advantage of me and others, I think Capital one is in the wrong here, because it seems they have performed a very unsound credit card transfer. Why are they writing a check in the first place? Why are they not looking out for me? They make me jump thru hoops everytime I call to validate my identity, why didn't they do that with XXXX XXXX? Why am I having to try to recover funds for there mistake? Why is it my fault? The address at the time was right. My account number was right, my name and address was Right. I want people to know this is going on! It indeed looks like I'm screwed! I'm being stuck with both bills. I've done nothing wrong! If I don't pay my credit that I have worked so hard to build would be ruined! I'm at a point where I hate these companies! They are selfish! Self serving! And only care about themselves, they lie to you get your money threaten to ruin you and no one can help us small people. Do not use these companies they are wicked!
Company Response:
State: ID
Zip: 83646
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Due to this law the late payments on my account should be reversed title. ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of XXXX, my personal services was required and I was payed by different people a total of XXXX in oayments fo XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. Since the payment was sent under the name of the person and not my actual name by accident due to a form error, captiol one has held this money in my account providing interest for going on 3 yewrs without letting me withdraw the funds. Therefore, Iam seeking to have the withold removed to reclaim my lost money, which i paid taxes on, have to report for my debt to income ratio as well as have been denied benfits for having an account under my name have over XXXX in it. Capitol One after three years of holding my money on an account which had no request by an of the people to return the funds, cancel the payments or file a dispute has insisted to claim i am a criminal and hold the money i definitely and it is current XX/XX/XXXX and it has been in that account for them to use to gain interest since XX/XX/XXXX.
Company Response:
State: VA
Zip: 22182
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Capital One Account and XXXX XXXX account 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 my account without written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose
Company Response:
State: LA
Zip: 708XX
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account was hacked and they stole my money So the same person that stole my money they deposit some check on my account that were not under my name so the bank cashed the check so i notice all this transactions on my account and i call the bank like 4 times telling them that my account was stolen and that it wasn't that me that was doing the transactions so they told me that dont worry that my money was save so now they close my account and told me that i dont have money there i dont know what happen with my money they dont want to give me my money back when my whole account was stolen and they knew about it and didnt do nothing now they close the account and send my money to i dont even know who
Company Response:
State: NY
Zip: 10469
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I ordered a my XXXX report and noticed a unauthorized hard inquiry from Capital One on XX/XX/2023. Prior to applying for a credit card with Capital One, I called and spoke to a representative. I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my XXXX report to see that it was a hard inquiry. A soft inquiry was authorized only The credit card that I applied for was a business credit card and I provided my business 's ein number. My personal SSN number should have only been used to verify my identity
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Capital One denied by consumer transaction. I was not given any information per the denial of my consumer transaction. XXXX XXXX XXXX XXXX XXXX 15 USC 1611
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I started good With Capital one but XXXX car rental keep charging me unexpected over the balance of My Credit limit which causes My account to close messed up my Credit Score which i think thats really unfair i want to file a dispute of this hard inquiry thats Been address to my Credit report unfair thanks for understanding may god bless.
Company Response:
State: MA
Zip: 02126
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Capitol One Account # : 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Company Response:
State: NJ
Zip: 07110
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: My insurance paid off my XXXX after an accident but capital one has it as a charge off on my credit report and has caused my score to suffer tremendously and really has limited my financial flexibility! This loan has been paid off and I want this reflected in my credit report! In the notes when I click on that account through credit karma it says that it has been paid off and dispute has been resolved! I also got a letter from capital one saying that it was paid off and this was XXXX off last year. Im not understanding y 7-8 months later it still hasnt been reported to my credit monitors!
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A