Date Received: 2023-07-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Back in XXXX I booked a trip through XXXX airline I had caught XXXX couldn't make the flight XXXX said I was a no show and took the money out of my account I gave my bank which is capital one documents from the XXXX representative stating it was over 30 days therefore nothing that they can do on they end capital one received that document as well as a discharge from the hospital when I was admitted due to XXXX they are refusing to give me my money back and keeps wanting me to reach out to XXXX where it's been 90 plus days since the booking XXXX no longer can assist me capital one has documents stating what I'm saying is true and they have yet to return my money back to account which is over 300 for a flight I never got on.
Company Response:
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive been a customer for a long time with capital one I fell on hard times and was late in XXXX I asked for them to remove late As goodwill. Im trying to purchase a home yet still havent heard from them and its been past 30 days.
Company Response:
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a decrease in finances the last 2 months. I was not able to pay Capital one in XXXX and XX/XX/XXXX because my husband was sick and income was lost. Capital One has refused to refused to waive late fees for XXXX and XX/XX/XXXX after they CLOSED my accounts on XX/XX/XXXX and REFUSED to accept the approval of an ACTIVE DEBT MANAGEMENT PLAN.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There was an unauthorized transaction on my account and I try to fix it by disputing it with my bank, my bank and I say disabuse so I will contact you guys.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, Capital One Auto Fin. The account is inaccurate. Checking my 3 credit reports and the closed account is reported as inaccurate, affecting my credit score. XXXX has deleted the false reporting, and XXXX is reporting a closed acct. with an inaccurate large balance, same with XXXX. My car insurance company paid the car loan off because of an accident.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Capital one bank will not verify as to whom gave them permission to open this credit card in my name. I have tried multiple times to reason with them.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On my credit report is states Kohls/Cap One/ $ XXXX # XXXXCharge Off There have been several times reached out to Kohls and Cap one about this and removing it from my credit report. It has went unanswered and no one has got back with me on this matter at all. Please have this removed and resolved.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I purchased a rebuilt engine for my truck with my XXXX XXXX for {$2500.00}, which included a refundable engine core deposit for {$510.00}. I paid my statement balance in full that included the {$2500.00} engine purchased XXXX. I returned the engine core for a refund of my {$510.00} dollars XXXX, but wasn't credited back to my credit card until XXXX. On XXXX XXXX at XXXXXXXX XXXX I called CapitalOne and said I wanted a check back for {$510.00} for the engine deposit. CapitalOne said I don't have a {$510.00} credit on my Account because there was {$250.00} in new purchases on my XXXX Statement and I now only had a {$250.00} credit. I told CapitalOne the new purchases for {$250.00} wasn't due until! XXXX and had nothing to do with my {$510.00} engine deposit and I wanted the bank to credit back my checking account for {$510.00}. I told iCapitalOne I always paid my credit card balance in full every month and if the bank was going to force me to pay my credit card balance early I wanted interest. The Bank said that wasn't there policy to credit back my checking account, I could leave the money on my account and use it as a credit without interest or the bank would sent me a check for {$250.00} in 7 to 10 days.I never revived a check even though a credit balance refund was on my XXXX statement XXXX. I got sick in XXXX and didn't realize I never received this refund until XXXX, my son handle the credit card on my behalf. I haven't heard from the bank.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: We rented a car from XXXX in XXXX on XX/XX/2023. We purchased both the LDW and B2B insurance at the time and were told that " no matter what happened to the car it is covered ''. While driving on a main road, we hit a rut that damaged the underside of the vehicle and the car had to be towed. We were provided another rental car by XXXX. On XX/XX/2023, without any notice, a {$10000.00} charge was placed on our CapitalOne credit card. On XX/XX/2023, we received an email from a person from the car rental claiming that the damage to the vehicle was caused by a " low blow '' and is considered negligence so it is not covered by the insurance. The following day we disputed the charge to CapitalOne who removed the charge while it investigated. On XX/XX/2023, CapitalOne sent us an electronic letter claiming that the merchant provided a receipt showing the transaction was billed correctly. I was informed that if I still wanted to dispute the claim I had to provide additional information. On XX/XX/2023, I sent a detailed letter to CapitalOne via USPS with the rental contract which had the insurance provisions accepted and which contained no " negligence '' exclusionary language. I included communications with the car rental agency and pointed out that the the provisions for the insurance explicitly state that the car is " protected Bumper to Bumper in case of Accident, Damage or Theft ''. On the same day ( XX/XX/2023 ), CapitalOne sent another electronic document asking for additional information that was duplicative of what I had already sent, but they had probably not received yet. I called CapitalOne and said that I had provided everything I had in response to their XX/XX/2023, letter. On XX/XX/2023, I received an electronic letter from CapitalOne saying that I had not provided all previously requested documentation and my claim was denied and the case was closed. I called CapitalOne the same day and explained that I could not provide some of the documentation requested because I did not purchase any goods or services. That there was no authorization for this charge to our card since any damages to the vehicle were covered by the insurance. During this lengthy call I was escalated to a supervisor who told me I had to get more information from the car rental agency regarding the insurance company 's denial of the claim. I sent another series of emails to the car rental agency and asked again for any documentation identifying the negligence exclusion for the insurance and all information from the insurance company denying the claim and nothing was provided. I uploaded those communications to CapitalOne via a link the supervisor had provided and on XX/XX/2023, I received another electronic letter from CapitalOne that says my dispute is denied because I failed to let them know within 60 days of receiving the disputed charge. I immediately called CapitalOne again and had another lengthy phone call where the representative acknowledged receiving all of my documentation but said the case was closed and she couldn't help me. The {$10000.00} charge remains on my credit card which I am refusing to pay. I am attaching the two letters I sent to CapitalOne along with the attachments and the letters they sent to me. I also submitted a complaint with XXXXXXXX XXXX customer care department. Again, they claim that the insurance coverage was denied due to " negligence '' without providing any additional documentation supporting such a denial. I'm also attaching these communications. I have repeatedly asked XXXX to identify the " negligence '' exclusion in the insurance coverage and they have not done so. I repeatedly asked CapitalOne to identify the document they were relying on to authorize the {$10000.00} charge and despite using that as the initial basis for resubmitting the charge to our card, they have failed to do so.
Company Response:
State: WA
Zip: 98008
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was open this credit card and start using it. Everything was fine until someone stolen the card and make a purchases plus make a payments. Plus they charged XXXX $ for fast card delivery, what a shame. Today I say again a lot of unauthorized transaction plus my account restricted with no reason. I called them and understood nothing. They need to call somebody's bank??? what??? I said that it's fraud and someone making purchases and make payments.Not me. So, for now my card restricted, I don't have it in my hands because I loose it with my phone in somewhere. Parking lot or something.Why they can not help people? On the phone he said 7-10 business day to wait. For what???? Payments canceled. What a shame
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A