Date Received: 2023-07-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: disputed charge, which the bank was required to make available, while they began their inquiry yet they kept me from using the disputed amt by not making it avail to me, which according to fdic regulation they are require to By withholding the disputed amount the bank is recvg loaned-out interest at my expense {$700.00} is the amount that needs to be credited today to my credit card
Company Response:
State: AZ
Zip: 85730
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: CFPB, I would like to disclose there has been XXXX and lack of disclosure which has led to the Revocation of my XXXX. I would like to formally revoke, rescind, and repudiate my signature on the original application presented to Capital One and demand the cancellation of our agreement, pursuant to XXXX XXXX. It has come to my attention that the original application, on which I provided my signature, was fraudulent on its face due to the lack of full disclosure. The application failed to inform me that Capital One was providing me with " bank credit '' out of thin air. Had this fact been disclosed, I would have been aware that the element of consideration was missing from the contract, and I would not have entered into the agreement. I want to emphasize that fraud has no statute of limitations, and its presence vitiates every contract agreement. In light of this, I hereby demand that your bank cancels our agreement and return to me every dollar of my labor, along with all interest I have ever paid to you for the duration of the agreement. Furthermore, I will personally contact the vendors with whom I have outstanding debt for the products or services I purchased from them that are not under dispute. I will make arrangements with them directly to cure the debt within a reasonable time frame.
Company Response:
State: FL
Zip: 323XX
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: My name is XXXX XXXX. My wife XXXX XXXX XXXX and spent XXXX XXXX in the XXXX, and has been in and out of XXXX and XXXX XXXX XXXX XXXX As if that wasn't enough, we had a house XXXX this year and have been displaced from my home and moved. In XXXX, Capital One bank acquired my existing BJs mastercard credit card account from XXXXXXXX XXXX which had a {$0.00} balance, right around the time that my BJs annual fee was charged. Capital One turned off my autopay when they bought the account. They changed my card number. And they started charging me late fees and interest because the {$55.00} annual fee that was immediately charged was not paid. They turned off my autopay and changed my card number. I have been busy dealing with the XXXX and my wife 's care. I did not realize this was a problem until I got a credit monitoring alert this week showing a delinquent account with capital one, a bank I did not use. I suspected fraud and investigated. I found that nobody stole my identity but that the bank itself has perpetrated a fraud on me. I recently got ahold of some of the missing mail and found the new cards they sent, called capital one, and asked them to waive off the late fees that they caused by turning off my autopay and migrating the account. The first representative I spoke to was very understanding but was only able to waive some of the fees. I asked for all the fees to be waived, because Capital One caused this entire situation by acquiring my account, turning off autopay, and billing me so many late fees and interest on one {$55.00} annual fee charge. Today, XX/XX/23, was the first date I found out I had a capital one card or that it had over {$100.00} of junk fees added to it that they will not remove. I spoke by phone to a supervisor who confirmed they could or would not waive the fees. I am speechless. These fees are illegitimate. Capital One created them out of thin air. I had autopay. I had an existing account that was always paid on time and had been paid in full. I did not use the card. I did not activate the card. I did not receive the card until now. I did not even agree to be a capital one customer. I never applied with Capital One. It is an absurd situation. They caused it to happen. The least they can do is waive all the junk fees they're charging and fix my credit report. I don't know what to say here. I set up online banking and authorized a transfer for the {$55.00} I guess I owe tonight, but as far as I'm concerned that's what I owe. I did not agree to, authorize, or have any knowledge of any of the rest of this. My mail is delayed due to the XXXX. I don't know what they expect from me but this is just absurd. Please help. XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44708
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX a dispute was opened for a pre-order charge of {$210.00}. The item was expected to arrive by XX/XX/XXXX. Upon completion of opening the dispute I was told that I would be receiving a letter from capital one with information on how to proceeded with the dispute. I never received any letter from them via mail or email. On XX/XX/XXXX I was looking at my statement and I noticed that they reversed the temporary dispute and charged my account again. This charge was added back to my account on XXXX on XXXX XXXX I then on XX/XX/XXXX called capital one back to inquire about this document that I was supposed to have received now that I noticed they reversed the claim. During this call I was informed that due to me selecting paperless communications the letter could be found in the document section of my capital one account. I was never sent an email or physical letter or given a notification on my phone app or the website. Upon learning this the agent on the phone helped me find and download the document to submit and told me that they would re-open my case and that being passed the timeframe would not impact my claim. On XX/XX/XXXX I submitted the filled out document via Fax to capital one and waited to hear a response back. Later that day XX/XX/XXXX capital one informed me via email that my claim had been denied due to waiting too long to send in the documentation. On XX/XX/XXXX I then called capital ones fraud and disputes center and spoke with XXXX XXXX Employee ID : XXXX about my claim. He informed me that because I waited too long to submit the paperwork that I was unable to continue the claim. He told me that I had 118 days from the day the goods were expected ( XX/XX/XXXX ) to submit the claim paperwork. I opened my claim on XX/XX/XXXX, well within the timeframe of 118 days. Due to capital ones failure to properly notify me of the documentation that needed to be sent, it took me until XX/XX/XXXX to send in the proper information. Despite the agent on XX/XX/XXXX telling me that this delay did not matter capital one claims they are unable to help me re-open this case.
Company Response:
State: MN
Zip: 55416
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: This account has multiple errors in my credit report, negatively affecting my history. Among the many errors that the account has, the type of account is different in all credit reports, the number of months, the status of the account and the date of the last report are one of the many inaccuracies that this account presents. This is an account that was closed in the past where it shows that it was closed without any debt, but it is affecting me because of all the errors it presents.
Company Response:
State: FL
Zip: 33180
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: From XX/XX/XXXX, to XX/XX/XXXX, I rented a XXXX XXXX XXXX from XXXX for a weekly payment of {$500.00} to use for XXXX. I have included a detailed list of my transactions with the merchant below. XX/XX/XXXX : I made an initial deposit of {$390.00} to obtain the vehicle. XX/XX/XXXX : I made a XXXX payment of {$500.00} through my brother because I was having technical difficulties ( I provided my brothers XXXX statement ). This was the amount due on my account. XX/XX/XXXX : I made a XXXX payment of {$500.00} through my brother because I was having technical difficulties ( I provided my brothers XXXX statement ). XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). XX/XX/XXXX : I made a payment with my XXXX card for {$520.00} because in their system they couldnt find my XXXX payment from XX/XX/XXXX, for {$500.00}. I was advised to make another payment to avoid extra late fees, and I would get the credit in my account when it showed up on the system. They never credited my account, and I had to dispute the charge with my credit card company. ( I provided my XXXX statement. ) XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ). XX/XX/XXXX : I used my initial deposit on my account of {$390.00} and paid a balance of {$92.00} with my non-capital one VISA credit card ( I provided the receipt ). The difference between the amount I paid on XX/XX/XXXX and XX/XX/XXXX is that I got a parking ticket ( {$10.00} fees ) and XXXX said I went over the toll without paying ( 7 fees in total ). I was able to fight the parking ticket, which I won, and I also presented the receipt that my XXXX XXXX toll card was charged when I went over the toll. XXXX gave me credit after I had already paid, and I also presented the proof to the Capital One Venture Card Dispute Department as well. I made sure I paid all the balance I had on the account on XX/XX/XXXX, which is when I returned the vehicle. One year later, the merchant charged my Capital One Venture card for the account of {$140.00} after I hadnt done business with them since XX/XX/XXXX, when I paid all my balance because the merchant has access to my card. I reported the case to Capital One and told them that the transaction wasn't authorized by me, and they went on to dispute the charge. Throughout the dispute that I initiated on XX/XX/XXXX, capital has requested supporting documents, and I have provided them with all the documents they ask for. Suddenly, Capital One sent me a vague letter to my account saying that the case is closed, with no clear reason why the case is closed. I have tried to reopen the case several times, but it has been unsuccessful. The frustrating part is that there is no one I could talk to, and everything is done online. Now, Capital is forcing me to pay for a transaction I didnt authorize. I literally stopped driving for XXXX because I am a XXXX XXXX, and my classes started on XX/XX/XXXX. I havent worked throughout my time in XXXX XXXX, which is why I havent done any business with XXXX. Capital is treating me unfairly, and I have been a customer with them for a very long time without being delinquent. I have always made my payments in a timely manner. This is very serious to me because it would affect my credit score, which I use to get loans for XXXX XXXX. I need capital to be active on my behalf, which is what they ought to do, and at least ask the merchant what the {$140.00} charge is about and give a detailed breakdown of each penny on the {$140.00} charge.
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have two cards with Capital One Bank. They are abusive and have non-existent customer service. They have frequently used accounts that I had closed to charge payments. After a long struggle, I called them and said I wanted to close both accounts. I was promised the accounts would be closed and that I would pay money every month toward the amount due. They have already cost me hundreds of dollars by charging inexistent bank accounts. They have clearly gone back on the promise that my accounts would be closed.
Company Response:
State: CA
Zip: 94541
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: Deposits and withdrawals
Consumer Complaint: I opened a checking account with Capital One in early XXXX. I was excited to start using my checking account. Throughout the month of XXXX, I received countless emails from Capital One, offering and encouraging the use of their 'mobile deposit '' feature. I thought this was a great idea, since I do not have a branch near. I also received a email my account would be closed if I did not make a deposit soon. After using the mobile deposit check feature on XX/XX/2023, Capital One saw this as an opportunity to extend me hardship for their own gain. I received a email my account would be " restricted '' due to 'unusual '' activity on my account. There was no " unusual activity '' on my account and the action was AUTHORIZED by me, the OWNER.. I received another email that my deposit would be held until XX/XX/2023. Upon checking Capital One 's funds availability policy it states that no later than the 7th business day, I could expect the full release of my funds. Today is now XX/XX/XXXX, my deposit has cleared with no issues, and my account is still currently restricted. Capital One never called me first to verify account activity from XX/XX/2023 that they claim to be " unusual ''. They also did not do their due diligence to verify my deposit within their allotted time frame.
Company Response:
State: TX
Zip: 75248
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have sent in mutual letters requesting documents to verify this debt with no reply I have ask the credit bureau to remove also
Company Response:
State: NY
Zip: 10027
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: Capital One XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX I have written and called the above company over ten times. XXXX writing because I noticed that my most recent credit reports contain a negative account ( see attachments ) with Capital One for my credit card account. I want to know that I understand my financial obligations, and if it were not for personal illness and being furloughed from work due to the pandemic, Id have an excellent record with Capital One. According to their records, I have never been late on my account with Capital One. Due to the financial restraints during the pandemic in XXXX, I chose to settle the debt owed to Capital One for less than the amount and ever since then, Capital One has been reporting my account as derogatory. Before closing my account with Capital One, Ive had a spotless record of on-time payments. While applying for additional credit and the fact that Capital One is reporting my account as derogatory to the credit bureaus, it continues to hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if this company make a goodwill adjustment to remove the " derogatory '' comment on my credit report and report me in good standing. I have settled with Capital One and paid off my debt. I honestly did not want the account to close but under the circumstances, the representative told me at the time, that is what this company had to do. This account being listed as derogatory has affected me since the year of XXXX and it is time this is corrected. By Capital One reporting this account as derogatory, which is equivalent to a payment being late over 60 days, hurt my credit history and my chances of obtaining additional credit for no good reason. Please remove this derogatory status from XXXX, XXXX, and XXXX, as soon as possible. In addition, this company did not suffer a financial loss as the principle was paid and I have paid a lot of money in interest so therefore, this company never suffered a loss. Please stop hurting my credit with the reporting of a derogatory account. I have never been late since the account opened in XXXX and it was closed because I was affected by covid. According to current covid stipulations, I do not believe that this company should be reporting my account negatively because of the impact I suffered during the pandemic. A settlement was reached with Capital One, therefore, nothing is owed, please remove derogatory status.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A