Date Received: 2024-01-03
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 made a purchase for a XXXX XXXX set for {$79.00}. After almost 2 months I received a product that I didn't order or purchase. I filed a complaint through XXXX & they did not resolve the issue & told me to file a dispute with my card issuer. I did that & they have not worked with me in a satisfactory manner. My brother died of XXXX unexpectedly on XX/XX/2023 & I was in XXXX for over a month. When I got back home to XXXX I called the company and submitted was I was told to submit. They denied me a credit saying I was missing information. I called & got the information they wanted me to submit. I faxed that to them. They had a complete packet from me that I mailed from my Post Office. Now they are saying I didn't have it all together in the same packet. They have all the information & more. I was scammed & they know this, XXXX ID # XXXX agreed with me on the phone the last time I called them. Now I need your help because I really don't appreciate being scammed by not only the original company in XXXX, but the credit card company here in the U.S.A. as well. Please help. I never received what I originally purchased and I just want the money back on my credit card in the amount of {$79.00}. XXXX XXXX, XXXX XXXX
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Capital One is reporting inaccurately erroneous information my consumer reports. All XXXX of Major Consumer Reporting Agencies. I know there's isn't a late payment on my behalf but, for some odd reason the late payments are reporting are inaccurately in each agency. XXXX has a 60 day late in the month of XXXX during XXXX. Makes no sense at all. It is a clear violation of Fair Credit Reporting Act. It's 100 % inaccurate information furnished on my behalf that damage my consumer credit.
Company Response:
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I made two payments to mechanics auto finance within 2 hours and asked Capitol One to stop one of them. The payment XXXX for XXXX. They could not stop it, they instructed me to ask to merchant to send it back. I DID call the merchant. They can not return. Then Cap 1 asked me to dispute transaction. I said I dispute your process. I want my money back. I still have money but my car payment is good for 2 months. Help
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been calling Capital One Auto from the time I got sick until now trying to make an arrangement to modify or put my loan on a moratorium and haven't been able to get assistance. I would call in they ask me 2 or 3 questions than ask if I have a payment to send in and they can set me up on a 90 program. I always tell them that I can't afford to make a payment in a half. Since I purchased the car I have had to sale my home and move with my daughter because of medical reasons. I now live in XXXX, TX and the cost of living, food, gas etc is much higher. I had a representative XXXX XXXX to call in to speak with Capital One Auto on XX/XX/24 spoke with a representative who told her they couldn't discuss the account that I need to call in. I called in spoke with a representation he asked me 3 or 4 questions then said he can set me up on a payment down then 90 day program again. There is another person that just got a modification and her situation is worse than my situation. My XXXX told me that she called in ask for the modification department and was transferred to a XXXX in the Recovery Skip dept. She told me that lady was very rude and spoke to her as if she owed the car loan she said she finally ask her to connect her to someone in the CEO 's office she refused said she wouldn't XXXX XXXX XXXX asked for her supervisor she put her on hold for 10 minutes a young lady named XXXX Supervisor with Vehicle Remarketing Dept came to the line XXXX XXXX asked if she was in the modification dept she said no but that I could only make a payment and be set up on 90 day program. XXXX XXXX asked to be escalated to Office of the President she was put on hold then transferred to XXXX with the office of the President at XXXX opt XXXX XXXX XXXX asked why XXXX XXXX was getting such a hard time getting assistance and when she called in she was transferred to 3 different depts and the representatives were so rude she said they were talking to XXXX XXXX as if she was me. XXXX XXXX also stated that she told XXXX that she has had several clients that have gotten modifications that where in worse shape then XXXX XXXX. She said one client was pass 300 days behind and car note was about the same and that person had gotten a modification before and she was able to get her modified in 20 minutes but you are giving me a hard time when all I want is to keep my car and modify my loan. Well XXXX XXXX also told me she asked it they would put the repossession on hold until someone calls back in 3 days XXXX said they wouldn't allow because nothing that is happening is their fault. How could software determine whether or not I can get assistance by asking me 3 or 4 questions and none of them have anything to do with my hardship, how much I am spending out and the reason for my hardship.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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 bought tickets from XXXX XXXX agency, but they messed up my flights and rescheduling. I requested a refund from them, but they denied it. I contacted my credit card company to dispute the charges and filed two cases : Case # XXXX Invoice # XXXX and Case # XXXX Invoice # XXXX. The merchant submitted fake documents for both cases. I sent my documents to CapitalOne many times by mail, email, and online file. CapitalOne told me that they reached the time limit for the case ending with XXXX and that they could not do anything. They told me to contact the merchant myself. For the second case, they said they would rule in my favor, but they would deduct XXXX from it because the merchant refunded that amount. CapitalOne did not send me the documents the merchant provided, so I could not challenge them. I insisted on getting the documents from the merchant, and CapitalOne finally sent me a copy on XX/XX/2024. Thats when I discovered that the merchant sent forged documents to make CapitalOne take the wrong decision.
Company Response:
State: KY
Zip: 412XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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: Hi there - I have opened dispute XXXX and I provided extreme details ( see attached ). However my experience with Capital One is that I am not being treated seriously. The response letter I received from Capital One just simply says I did not provide sufficient information when my letter is extremely detailed with all the information provided. I am hereby providing my case again.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2022 my Capital One Bank checking account was closed without explanation. 2022 I tried to open an account at XXXX XXXX, but I was denied without reason, the banker said it was under review in the fraud department. I haven't received a reason. Is something attached to my social? In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states : I have the right to privacy. 15 U.S.C. 1681 604-A Section 2 consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666 B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: After accepting a pre-approved Capital One Savor card it arrived in the mail and I called the activation number on or near XX/XX/XXXX. I was refused activation and told I needed to send images of the front and back of my driver license in order to activate with no explanation why. At the same time I was locked out of my CreditWise membership with no explanation. On or near XX/XX/XXXX I sent the images to the link provided and waited but no response, about a week later I called to ask what was going on and was told the images I sent were blurry and must be resent. I explained they were not blurry when I made the images through the copier and were not blurry when I sent them through the link ( there is no way to blur the images that I'm aware of ). I said that I was thinking this may be a scam and said I was calling the CFPB - the rep said " Go ahead ''. XXXX sent me an email saying my credit had been downgraded due to the running of my credit for the card they refused to activate and still to this day ( XX/XX/XXXX ) have me locked out of my CreditWise membership. I received a letter dated XX/XX/XXXX saying I needed to call to " verify additional information on your account opened on XX/XX/XXXX '' so I called today ( XX/XX/XXXX ) and was told the same exact thing about the " blurry images '' and was all but accused of being a " fraudster ''. The person stated again and again that what I was doing was exactly what fraudsters do. I was outraged to say the least. So I now have a lowered credit rating from Outstanding to Very Good with at least one credit agency ( I'm unable to check the others through my still locked out CreditWise ) and have nothing to show for it.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to express my deep concern and dissatisfaction regarding the inaccurate late payments that Capital One has reported on my credit report. It has come to my attention that Capital One has had two lawsuits related to reporting incorrect payment information to credit bureaus. This raises serious concerns about the accuracy and reliability of the information being provided to credit reporting agencies. As a conscientious and responsible consumer, I have always made timely payments on my account, and it is disheartening to see such inaccuracies tarnishing my credit history. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also requested all corporations to fill out a form 1020 and return back to me and still haven't gotten it I insist that Capital One rectify this issue immediately and ensure that my credit report accurately reflects my payment history XXXX ( PAID AS AGREED NEVER LATE ) I am aware of my rights under the FCRA, including the right to dispute inaccurate information, and I am prepared to take any necessary steps to protect my credit standing. Moreover, considering Capital One 's history of legal issues in this matter, I must insist on the option of pre-arbitration to resolve this dispute promptly and efficiently. It is in the best interest of both parties to address this matter swiftly and rectify the inaccuracies on my credit report. I expect your cooperation and prompt attention to this matter. Thank you for your immediate attention to this serious matter. I anticipate a prompt and satisfactory resolution.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Capital One was served to freeze my bank accounts by a collections law firm. They did this promptly. My attorneys reached an agreement with the creditor and faxed/emailed the dissolution of garnishment to Capital One on XX/XX/XXXX. After XXXX more attempts to resend this information and several phone calls, speaking to multiple managers, my account remains frozen and I am amassing late charges with all my creditors because my funds are still frozen. One of these phone calls was from XXXX XXXX asking them to unfreeze the accounts and yet Capital One still has not complied. The firm that initiated the garnishment was on the phone with me and Capital One and requested that the accounts be released. It is now XX/XX/XXXX and my accounts are still frozen waiting for some completely unnecessary review from Capital Ones XXXX Department.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A