Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 17. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following information is outdated. I would like it removed from my credit history report XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following information is outdated. I would like it removed from my credit history report CAPITAL ONE Account Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. XXXX. This is a duplicate account XXXX Account Number : XXXX Please remove it from my credit report.
Company Response:
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX : XXXX {$110.00} XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX {$4.00} XX/XX/XXXX : XXXX XXXX {$4.00} XX/XX/XXXX : XXXX {$97.00} XX/XX/XXXX XXXX XXXX XXXX {$11.00} XX/XX/XXXX : XXXX {$93.00} XX/XX/XXXX : XXXX {$15.00} XX/XX/XXXX : XXXX XXXX {$8.00} XX/XX/XXXX : I was contact by text message from Capital One regarding fraud, I logged onto my online account and found all above fraud. XX/XX/XXXX : Filed fraud report with Capital One, and verified I did have my card in my possession. XX/XX/XXXX : Capital One closed the card and said they were shipping a new one, I cut up the card I had in my possession. XX/XX/XXXX : Received letter of denial stating either me or someone I know is benefiting from the fraud. XX/XX/XXXX : Contact Capital One and was told that the decision was final, and the Fraud reps name was XXXX and she was located in the XXXX and was unable to provide me with a Manager. XX/XX/XXXX : Police Report Filed
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Recently, I took advantage of an offer through Capital One 's website to " ... redeem your free {$10.00}, XXXX. With two clicks you can get a {$10.00} bonus and coupons applied instantly. '' ( I have a checking account with the bank, which is how I noticed the offer ). In order to " Claim your free {$10.00} bonus, '' Capital One requires you to download and install a browser extension that automatically scans for coupon codes during online shopping and notifies you of price drops. I downloaded and installed the browser extension, but I have not received the {$10.00} bonus to my account, and it has been over 30 days. Capital One does not make it easy to communicate with them. They do not list a means of messaging the company virtually, and you must call to receive help from a person. So, I called and complained that my {$10.00} bonus had not arrived. Customer service confirmed that my bonus has not arrived, but insisted that in order to correct the problem, I must email the company at an address provided. At this point, I felt like Capital One had put up too many barriers to an offer it was making to its customers. My contention, in this complaint, is that the offer was advertised as quick and easy, but that it was neither quick nor easy to redeem the {$10.00} reward, and that Capital One is therefore taking advantage of its customers to install the browser extension without providing the reward. The bonus should be automatically applied, and consumers should not have to contact the company multiple times if the bonus has not been applied. Putting too many procedural hurdles in the way of consumers is one way of committing fraud, in my opinion.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: In XXXX I sent out vital information asking for verification of an alleged debt that Capital One claims was owed they have failed to send the verification as outlined in GAAP. Capital One has failed to send my title after failing to provide verification of the alleged debt. I do not owe Capital One anything, they have failed to provide their burden of proof that a loan was made. GAAP will show and prove that there is no alleged debt owed and that I am entitled to my title lien free. After receiving the response from Capital One stating that they will not continue to respond to my request is considered acquiescence and their silence to provide the information that has my personal identifying information is a violation of my consumer rights. Attached is my full response, I am making this complaint because Capital On has violated multiple consumer-protected rights and has failed to provide me with my title and remedies outlined in my first communication to them. This complaint serves as a notice of default as well and I will seek lawful remedies.
Company Response:
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
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 had a bad stay at an XXXX vacation rental ( extremely unsafe environment and harassment from the host so we had to leave early ) and asked for refund. They initially ignored my request and so I disputed the charges with my Capital One card. After reviewing the case, XXXX agreed I was due a full refund and so issued my refund back to the Capital One card I paid with. Capital One refuses to apply the refund to my account. XXXX confirmed they issued the refunds on XX/XX/XXXX and provided payment codes as proof. Even after providing the payment codes to Capital One, they refuse to apply the {$1700.00} refund back to my card and so have effectively stolen that money from me. I need assistance from the CFPB to get Capital One to apply the money XXXX has given them back to my account instead of stealing it. XXXX has been very helpful here. Capital One has NOT. I have filed multiple disputes on the charges to Capital One, and sent multiple correspondences to them that go completely ignored. They return to me generic form letters that do not address my issue at all.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Dear Capital One, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/2023 for my credit card ending in XXXX and my Auto loan XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
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: I'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Good evening, I had reached out to this financial institution to make a change to my credit card account so that I could activate a new card and my online portal, but the representatives and manager, " XXXX, '' actively refused to assist me despite me conversing in a professional manner. The information that they had incorrectly entered into my account is the phone number on file. I have another case already open with the CFPB regarding this issue, however, I received a document in the mail today from Capital One that I am perceiving as a direct threat to my life without reason or provocation. Instead, I have only tried to communicate in a professional and polite manner but have only been met with hostility, instigation, harassment, veiled threats, and a clear and present manipulation and fabrication of evidence. I am communicating though the CFPB as I do not feel safe speaking with Capital One directly. I am very afraid for my life at this time that they may escalate their attacks against me. At this time, I have no intent to continue banking with them, communicating with them directly, and I will never do business with them in the future. I am attaching a copy of the veiled threat that I received from this business this afternoon. Instead, I request only the following reparations : My personal information to be deleted and a receipt of destruction mailed to my residence. Documented evidence that any and all accounts in my name have been closed. Credit report repair. I'd like their card and inquiry to be removed from my report.
Company Response:
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: After realizing that my credit card was lost/stolen, and noticing fraudulent transactions on my account portal, I filed disputes with Capital One against multiple fraudulent transactions on my card. My card was used to run up almost {$500.00} in purchases across multiple days, and from what I can tell based on the merchant names this was done primarily at theme park locations in Florida- I live in XXXX, OREGON and have not been to Florida in YEARS, nor was I anywhere near there at the times of these transactions, I haven't so much as left my state since XXXX. Capital One did NOT do their job in investigating this dispute - literally the same day XX/XX/XXXX that they acknowledged the dispute and processed a provisional credit they claimed that I " benefitted from these transactions '' and reversed the credit, closing my dispute with no evidence or explanation whatsoever of their alleged reasoning. I clearly DID NOT benefit from these transactions in any way, nor did I know about them or authorize them. They are NOT my purchases, and I sure as XXXX will not be paying Capital One for them. There is no chance they did an adequate job whatsoever looking into these fraudulent purchases given the timeline of their supposed " investigation '' and had they done their job they would've closed this dispute in my favor, as these are very clearly NOT MY CHARGES. In their letters/emails to me Capital One didn't even include all the charges I clearly laid out in my dispute, so clearly didn't adequately file/process my full dispute/claim. The moment I found out about these transactions- which only occurred because I saw my billing statement, I was never notified this was occurring during the time of the transactions despite having notifications set up that should've alerted me anytime there was a purchase- I locked my credit card and secured my account. I mailed Capital One documents to file the dispute - since they don't offer a customer service email and I can not call over the phone as XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX- and very clearly outlined each unauthorized transaction, merchant name, amount, and date. If Capital One thinks they're getting so much as a penny from me they're mistaken - I will not be making payments on purchases I did not make, and I will fight them to the end of time until these are reversed/removed from my account, and will be disputing these with all 3 credit agencies as well.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received multiple emails about a Capital One credit card that I never applied for. Then, I received the actual card in the mail on XX/XX/23. I called the Capital One fraud department and told them to cancel the card immediately b/c I never applied for it. They said they would and would report it as fraudulent to the 3 credit reporting agencies
Company Response:
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A